--- title: Four C Financial | Retirement & Business Planning Specialists description: Four C Financial specializes in retirement and business owner financial planning. Retirees, pre-retirees, and business owners — we serve you. image: https://www.fourcfinancial.com/hubfs/Four%20C%20Notebook.jpg --- - [Home](https://www.fourcfinancial.com) - [About Us](https://www.fourcfinancial.com/about-us) - [Services](https://www.fourcfinancial.com/services) - Income Planning - [Retirement Income Planning Guide](https://www.fourcfinancial.com/retirement-income-guide) - [Retirement Income Estimator](https://www.fourcfinancial.com/retirement-income-estimator) - [Lifetime Income Model™](https://www.fourcfinancial.com/bucket-strategy) - [Income Strategy Calculator](https://www.fourcfinancial.com/ourprocess#fourc-calc-section) - [How It Works](https://www.fourcfinancial.com/ourprocess) - [Business Exit Planning](https://www.fourcfinancial.com/business-owner-exit) - [Market Insights](https://www.fourcfinancial.com/market-knowledge) - [Contact](https://www.fourcfinancial.com/contact) # A Smarter Way to Retire — Specialized Income Planning Powered by the Lifetime Income Model™ 150+ households served across 12 states  |  Custodied with Charles Schwab  |  16 years of experience [Build Your Retirement Income Plan](https://www.fourcfinancial.com/contact) #### **Plan for a retirement income you can count on.** Work with a 16-year retirement income specialist you can trust. #### Work with a team that specializes exclusively in retirement income planning. ## Most People Retire Without a Real Income Plan. We Change That. There's a difference between having money and having a plan. Most retirees walk into retirement with accounts — but no clear answer to the question that matters most: where does my monthly income actually come from? Dustin Metcalf, CRPC®, Series 7, 63 & 65 licensed, brings 16 years of experience helping retirees, pre-retirees, and business owners answer exactly that question — with a structured, personalized income plan built around your life, your timeline, and your goals. ## How We Serve Retirees, Pre-Retirees, and Business Owners Four C Financial was built around a single focus: retirement income planning for people who've worked hard and want a plan that protects what they've built. We don't try to be everything to everyone — we work exclusively with people at or near retirement, and business owners planning their exit. That focus means we understand your situation in a way a generalist firm simply can't. We've guided clients through market downturns, business sales, healthcare transitions, and estate events — and we build plans designed to hold up through all of it. [**Retirement Income Planning** ![Four C Notebook](https://www.fourcfinancial.com/hubfs/Four%20C%20Notebook.jpg)](https://www.fourcfinancial.com/retirement-income-guide#) [Market Insights & Resources ![Dusty giving financial advice](https://www.fourcfinancial.com/hubfs/Dusty%20giving%20financial%20advice.jpg)](https://www.fourcfinancial.com/market-knowledge#) [Are you selling your business? ![Clients hands with financial planner](https://www.fourcfinancial.com/hubfs/Jan-22-hands-with-planner.jpg)](https://www.fourcfinancial.com/business-owner-exit#) ## What Working With Four C Financial Looks Like We don't just manage portfolios — we engineer retirement income strategies. Here's what you can expect when you work with us. ### Your Personalized Income Plan ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) #### Your Personalized Income Plan A structured income plan built around your timeline — not a generic portfolio. Every dollar has a job, every year is accounted for. ### In-Depth Onboarding ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) #### In-Depth Onboarding We walk you through your entire income strategy at onboarding — so you understand exactly where your money is, where it's going, and why. ### Weekly Market Commentary ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) #### Weekly Market Commentary Weekly market updates written for retirees — focused on what actually affects your income, not just headline noise. ### Quarterly Account Reviews ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) #### Quarterly Account Reviews Quarterly reviews of your account performance and income projections, with adjustments made proactively — not reactively. ### Income & Tax Planning ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) #### Income & Tax Planning Coordinated Social Security timing, RMD management, and tax-smart withdrawal sequencing — designed to maximize what you keep. ### Legacy & Estate Strategy ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) #### Legacy & Estate Strategy Estate planning coordination and generational wealth strategies that ensure your legacy is protected and transferred efficiently. ### Business Exit Coordination ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) #### Business Exit Coordination For business owners approaching a sale — we coordinate with your M&A attorney and CPA to structure the exit and convert proceeds into lifetime income. ### Philanthropic Planning ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) #### Philanthropic Planning Charitable giving strategies that align with your values and reduce your taxable income — planned as part of your overall retirement income strategy. Previous Next [Ready to build your income plan? Let's talk →](https://www.fourcfinancial.com/contact) ![white logo 4c](https://www.fourcfinancial.com/hs-fs/hubfs/white%20logo%204c.png?width=200&name=white%20logo%204c.png) Copyright © 2026 Four C Financial. All rights reserved.  #### LEGAL [Form ADV](https://www.fourcfinancial.com/form-adv) **[Form CRS – ADV Part 3](https://www.laurelwa.com/s/Laurel-Wealth-Advisors-Form-CRS-ADV-Part-3-01-01-21.pdf)[Privacy Policy](https://www.fourcfinancial.com/privacy)[**Business Continuity Plan**](https://static1.squarespace.com/static/561689c7e4b0f884c2978d37/t/5ce82317f9619a3f9b8772bf/1558717208430/LWA+Business+Continuity+Plan.pdf)[Important Disclosures and Disclaimers](https://www.fourcfinancial.com/important-disclosures-and-disclaimers)** Investing involves risk, including the loss of principal #### LOCATIONS Palm Desert, CA  |  Austin, TX  |  Clinton, WA [info@fourcfinancial.com](mailto:info@fourcfinancial.com) [760.491.1499](tel:7604911499) #### FOLLOW Investment advice offered through Integrated Partners, doing business as Four C Financial, a registered investment advisor.  The information on this website has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Registration as an Investment Adviser does not imply a certain level of skill or training.  {{ footer\_js() }} {{ js\_integration\_body\_end() }} ```json { "@context" : "https://schema.org", "@type" : "FinancialService", "areaServed" : "Clients in 12 states across the United States", "description" : "Specialized retirement income and business owner exit planning. 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