Helping people age 50+ create clarity & peace of mind around retirement income

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?

See How We Can Help
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HOW TO WORK TOGETHER

A simple, straightforward process

A quick breakdown of how we serve our clients:
Step 1)
Introductory Call

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.

Meeting Length: 45-60 minutes
Step 2)
Get Organized

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.

Duration: 5-10 business days
Step 3)
Free Retirement Readiness Score Review

Find out what your projected retirement income is today and receive recommondations on how to strengthen your retirement picture.

Meeting Length: 60-90 minutes
Step 4)
Sign Agreements & Implementation

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.

Step 5)
Ongoing Support

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.

Financial advisor in a suit sitting in front of a door – Dunes Financial.

About Dunes Financial

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.

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See how we're different than most financial advisors:

dunes logo

Specialize in retirement income planning

Provide ongoing tax planning

Transparent flat-fee pricing

Fee-only, Fiduciary

Credentialed: CFP®, CPA

Regular meetings & access

Typical Advisor

Generalist

No tax planning

Commissions, percentages & tiers

Fee-based, non-fiduciary

Focused solely on investment management

Minimal contact & support

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Get Your Free Retirement Checklist

A short guide to understanding what you need to consider before retiring:

retirement checklist previews