Specialized Financial Guidance for Retirees, Pre-Retirees, and Business Owners

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

Market Insights & Resources

Are you selling your business?

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

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

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

Weekly market updates written for retirees — focused on what actually affects your income, not just headline noise.

Quarterly Account Reviews

Quarterly reviews of your account performance and income projections, with adjustments made proactively — not reactively.

Income & Tax Planning

Coordinated Social Security timing, RMD management, and tax-smart withdrawal sequencing — designed to maximize what you keep.

Legacy & Estate Strategy

Estate planning coordination and generational wealth strategies that ensure your legacy is protected and transferred efficiently.

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

Charitable giving strategies that align with your values and reduce your taxable income — planned as part of your overall retirement income strategy.

Ready to build your income plan? Let's talk →