Brad Williams has nearly four decades of experience in the financial service industry and has been specializing in the needs of retirees and pre-retirees since 2002. He recognized then that the industry’s typical cookie-cutter approach to post-retirement planning did not always produce what retirees need most: dependable and consistent retirement income. Since then, Brad has helped countless individuals and couples successfully make the transition from the accumulation stage of life to the distribution stage we call retirement.