About Us
Let us prepare a proven retirement strategy for you that’s as unique as you are
Loftis Retirement Solutions, LLC is a boutique financial services firm that specializes in retirement & wealth planning. Your situation is unique and deserves an approach that is based on your specific circumstances and goals. Whether you are already into retirement or still working toward it, we can help.
Our Mission
Our mission is to provide value through education. It is difficult to get where you want to go if you are not sure how you will get there from where you are now. Because we work with many of the largest companies in the industry we are not limited to certain strategies or products. We work together with you to create and implement the solution that best meets your needs.
Our Process
We work with dozens of different companies that all have their own products and strategies. This allows us to select the products and create the solution that best fits the client vs. fitting the client in the product that best fits the company.
Step 1 - Evaluate
Step 3- Educate
Step 2 - Examine
Step 4 - Execute
Proven Processes
The objective of our initial discussion(s) is to get a clear understanding of your idea of retirement. We want to make sure we are always working together towards a common outcome. Therefore, we need to ensure we clearly understand where you are as well as where you aim to be. This is a casual conversation where getting to know one another happens organically.
Although education is something we are always doing with our clients, this is where we are the most intentional about it. As we review the differences between your current situation and the available strategies, we are explaining each suggestion along the way. We want to make sure you understand each solution so you can have the confidence required to make the best decision.
Once we have a clear understanding of where you want to be, we will examine where things currently stand. We want to determine if the path you are on will get you to the destination you desire. Do not be alarmed if there are some holes in your current approach. It's always better to identify a potential problem before it becomes a serious one.
Once you have the information you need we will work together to select the product(s) & the strategy that is most likely to get you where you want to be. This is when we complete the required applications and collect the needed paperwork to process any transfers or rollovers. Thankfully, we are not committed to one specific company. This means the solutions we present will be the best for you.
Get Expert Advice and
Start Saving
Most people are under the impression that financial strategies are complicated and difficult to understand. While some may be, we believe simplicity is the ultimate sophistication when it comes to planning. The solutions we create for you will be simplistic, easy to understand, and give you clarity on where you are going as well as how you will get there. Of course, variables like taxes, inflation, market volatility, health, lifestyle, etc. can be overwhelming. But they do not have to be. We take pride in being able to communicate sophisticated retirement planning in an easy-to-understand way.
Our approach encourages clients to be involved throughout the research, planning, and implementation process. We know that clarity provides confidence. Therefore, we work closely with each client to clearly understand where they want to go, then we can show them how to get there.
Explore What We Offer
We work with dozens of different companies that all have their own products and strategies. This allows us to select the products and create the solution that best fits the client vs. fitting the client in the product that best fits the company.
Explore What We Offer
We specialize in the products needed to give you confidence as you prepare for life in retirement. We work with dozens of different companies that all have their own products and strategies. This allows us to select the products and create the solution that best fits the client vs. fitting the client in the product that best fits the company.
Retirement Planning & Income Strategies
IRA/401k Rollovers
Asset Protection Solutions
Tax-Efficient Strategies
Investment Planning
Long Term Care Strategies
Life Insurance
Legacy Planning
About Us
Loftis Retirement Solutions, LLC was founded in 2017 by Bret Loftis. Bret got his start in financial services with a large firm in 2005 and quickly realized it was not what he thought. He was under the impression that everyone received equal attention and a tailored approach. However, that was not the case. When 2008 came he witnessed the hardships and struggles many people went through. The lack of guidance, compassion and integrity offered to those individuals lead him to start his own firm.
As a fiduciary, we believe that retirement is not all about money. In fact, if you have a great retirement strategy, money should be the last thing on your mind. We help our clients acquire resources that provide income for the lifestyle they desire, no matter what happens. Many people claim to offer this but very few give you the tools, education, and solutions required to make that a reality.
There are countless people out there that do not know what retirement looks like for them or how it works. No matter your situation, we will work with you to find the solution that’s right for you.
18
Years of Experience
17
Team Members
FAQ's
A fiduciary is a person or organization that acts on behalf of another person or persons, putting their clients' interests ahead of their own, with a duty to preserve good faith and trust. Being a fiduciary thus requires being bound both legally and ethically to act in the other's best interests.
First, most advisors really only work with a couple companies and have a handful of strategies. I know this because I was one. Being a true independent agency means having the autonomy to work with the companies that best fit the client. Not the other way around. That is what we do because we believe it is the best approach for the client.
This is a question I am often asked but the answer is not so simple. The answer varies widely on the strategy you are in, the agreement you have with your advisor, your risk tolerance, and many other things. I have realized that most of the time people have a pretty accurate sense as to whether their advisor is for them or for themselves.
That is a very difficult question to answer and it depends on several things. The type of account(s) you have, the company holding your account(s), whether it is managed by someone, the value of the account, etc. According to Smart Asset the average 401k account holder pays 2.2% in fees. That may be a hard pill to swallow given the fact that many people don't know their 401k even had fees. In my opinion, the best thing about a 401k is the match. If you have an old 401k with a previous company please give me a call. Things are different when your account is being managed by someone. According to Smart Asset the average fee in the US is 1.17%. However, I have seen statements from clients that were paying just over 2.7% so again, it varies widely based on the factors listed above.
This is a tough conversation for people because I feel we have conditioned to believe we need to accept the possibility of losing money in the market if we expect to make positive gains. That is simply not true! The first thing you need to do is determine your "risk tolerance" this is the level of risk you are willing to take in your portfolio. This is one of the first things I do with my clients because it shows me what products would best fit you and your needs. Only then can we begin discussing & exploring the products and strategies that are suitable to you. If you have not had this conversation with your financial professional you need to do that now.
This can be more difficult than you think. Most mutual fund companies do not advertise their fees on the front page of your statement. Many times you can find the main fees (administrative & investment fees) towards the back of the annual statement. It may be fairly difficult to find them because there are dozens of different fees mutual fund companies charge. However, there is an equation that needs to be done. Money Crashers did a great job in summarizing the equation, you can find that here.
What Our Client's Are Saying
Working with Bret was great! Most of the people I worked with had little creativity when it came to actually helping me feel better about my retirement. Bret worked with me each step of the way, making me feel comfortable, and did not move forward until I knew how things worked. I would recommend anyone to him!
Clara JeffersonI was skeptical when Bret and I first started working together. But I was able to verify everything he told me on third party sites. He was able to break things down and communicate complex strategies in an easy to understand way. If you are looking for someone you can trust, call Bret!
Shauna KimI was losing money hand over foot when I first talked with Bret. After working with him I was able to protect my retirement the way I wanted to without sacrificing growth. Great advice and great planning strategies!
Jonathan SimsWhat Our Client's Are Saying
Bret was able to show me how to set up a tax-free retirement account that will help me and my family relax in retirement. He was also able to get my kids set up with a tax free savings plan. Working with him was really easy and he was very informative about our options.
Albert VelasquezWorking with Bret was great! Most of the people I worked with had little creativity when it came to actually helping me feel better about my retirement. Bret worked with me each step of the way, making me feel comfortable, and did not move forward until I knew how things worked. I would recommend anyone to him!
Clara JeffersonI was skeptical when Bret and I first started working together. But I was able to verify everything he told me on third party sites. He was able to break things down and communicate complex strategies in an easy to understand way. If you are looking for someone you can trust, call Bret!
Shauna KimI was losing money hand over foot when I first talked with Bret. After working with him I was able to protect my retirement the way I wanted to without sacrificing growth. Great advice and great planning strategies!
Jonathan SimmsHe is reliable and I really trust his opinion. There are so many things I liked about working with Bret! I really feel like he is part of my family. He is so down to earth and brilliant at the same time. He really takes the time to get to know you , your family and then goes to your financial goals. It is a package deal with him.
Tammy Grover
Bret was able to show me how to set up a tax-free retirement account that will help me and my family relax in retirement. He was also able to get my kids set up with a tax free savings plan. Working with him was really easy and he was very informative about our options.
Albert Velasquez