By answering questions such as:
Do I have enough?
How do I invest my nest egg?
When should I file for Social Security?
Am I paying more taxes than I have to?
How do I navigate health insurance until I'm 65?
How do I turn my investments into an ongoing paycheck?
Over time, I've found that I best serve those navigating Social Security, Medicare, investment management, and creating tax-efficient retirement income:
You’re 50+ and considering retirement in the next 5-10 years
You have saved $750,000 or more in your 401(k), IRA, and other investments
You’re wondering when you’ll be able to retire and how to know when you have enough saved
You want a clear, personalized plan to maximize Social Security, navigate Medicare decisions, know how to invest your assets, pay less in taxes, and reliably create consistent retirement income.
You’ve already left the workforce or are working part-time in retirement
You have $1M or more invested and want to ensure your money lasts
You’re looking for tax-smart withdrawal strategies to maximize retirement income while managing the market ups and downs
You want to simplify financial decisions so you can focus on enjoying retirement
Complimentary introductory call (virtual or in-person in Northwest Indiana) to explore what's on your mind and ensure our expertise matches your needs. By the end of our conversation, we'll know if we're a good fit, and if not, I'll point you in the right direction.
After agreeing we are a good fit, you'll receive a questionnaire & a secure link to upload your financial documents. Mark Rosinski will review all your documents and build your Retirement Readiness Score presentation.
Find out what your projected retirement income is today and receive recommondations on how to strengthen your retirement picture.
Upon delivery of the Retirement Readiness Score, we will enter into an advisory agreement to begin implementing recommendations.
Over the next several weeks we will navigate your investments, tax strategy, your retirement income, long-term care, and more, so you can feel clarity and peace of mind around your retirement income.
After working with hundreds of retirees and pre-retirees, we know time moves fast and life changes. We'll continue to review and update the plan with spring and fall meetings each year, allowing us to understand cash flow needs, develop tax strategies, manage investment changes, and ensure your wealth maintains alignment with what's most important to you.
In addition to the two-meeting service calendar, you have access to additional meetings and unlimited email communication with your advisor.
Dunes Financial, a fee-only advisory firm based in Valparaiso, Indiana, provides retirement planning and investment management for a flat fee to clients nationwide.
I built Dunes Financial around everything I believe about retirement planning—helping hardworking professionals 50+ turn their savings into a reliable income, optimize taxes & investments, and make confident financial decisions. My goal isn’t just to maximize dollars but to maximize life through those dollars.
From my investment philosophy to my planning approach to how I charge fees, everything is designed with your retirement in mind. More than anything, I believe your advisor’s #1 job is to listen—because without understanding what truly matters to you, there’s no way to build a plan that gives you the confidence to enjoy retirement on your terms.
Specialize in retirement income planning
Provide ongoing tax planning
Transparent flat-fee pricing
Fee-only, Fiduciary
Credentialed: CFP®, CPA
Regular meetings & access
Generalist
No tax planning
Commissions, percentages & tiers
Fee-based, non-fiduciary
Focused solely on investment management
Minimal contact & support
A short guide to understanding what you need to consider before retiring: