Zivae Financial is a retirement consulting firm serving clients in 19 states through in-person and virtual consultations. Its certified retirement plan consultants provide personalized, transparent, and ethical guidance, with an emphasis on explaining options in clear, accessible language. The firm helps individuals and families make informed decisions and prepare for retirement with greater confidence.

Its services include Medicare insurance guidance, personal pension estimates, retirement seminars and webinars, life insurance, and ZiVae Income Solutions. Medicare support covers plan selection, comparisons between Medicare Advantage and Medigap, enrollment assistance, annual reviews, and prescription drug plan optimization. Pension estimates and income planning are tailored to clients’ retirement goals, while seminars help people understand their choices. Zivae Financial also highlights tax-efficient income strategies and Social Security optimization as part of its retirement planning approach.

The firm describes its work as customized rather than cookie-cutter, considering clients’ goals, lifestyle, and timeline. It also offers coaching alongside financial planning, recognizing that retirement decisions involve personal priorities as well as numbers.