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Retire with confidence. Not Questions. Retirement Guidance for
Your Road Ahead.

We provide tax-smart retirement planning for families who want reliable income, lower lifetime taxes, and thoughtful investment guidance. All for one flat annual fee.

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OUR APPROACH Ongoing Retirement
Guidance and Support

Creating a retirement plan is just the beginning. Markets shift, tax laws change, and life has a way of surprising us all. This is why we take the time to understand your vision for the future, helping you build a roadmap that aligns with your lifestyle goals and retirement timeline.

We specialize in working with individuals and couples who are within five years of retirement and have between $1 million and $10 million in retirement assets. This is a pivotal stage, when the decisions you make can shape the next 30 years of your life. Because of this specialization, we understand the challenges and opportunities that come with it, and it's where we do our very best work.

Our job is to handle the details, keep your plan current, and give you the peace of mind to enjoy the life you've worked so hard to build.

  • Tailored Retirement Planning
  • Proactive Communication
  • Long-Term Relationship Focused
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Who We Are

Your Chief Retirement Officer

As your Chief Retirement Officer, we oversee your entire financial life. we coordinate with your other advisors, connect the dots between your investments, taxes, income, insurance, and estate plan, and make sure every decision supports your goals.

You set the vision for your retirement. We make sure your plan delivers on it, so you can spend less time managing details and more time enjoying life.

A Thought From Your Advisor.

"Retirement isn't about having the most money. It's about having enough, knowing it will last, and feeling free to enjoy it. My goal is to give you that confidence, so you can stop worrying about your money and start living the life you saved for."

Derek Delaney

13+

Years of Experience

03

Advanced Industry Certifications

100%

Fiduciary. Always.

WHAT WE DO Services Built for Pre (and Current) Retirees.

WHAT WE DO Services Built for Pre (and Current) Retirees.

Your financial needs evolve as you get closer to retirement. We provide comprehensive services aimed at addressing the complexities of this crucial phase.


    • Tax & Legacy Planning

      Aligning your wealth transfer and tax mitigation strategies.


    • Social Security Strategies

      Helping you determine an optimal timeline for taking benefits.


    • Portfolio Management

      Structuring your investments to support your retirement income needs.


    • Retirement Income Strategies

      Customized withdrawal sequencing to produce reliable retirement income.

Meet DEREK DELANEY A Personal NoteFrom Your Advisor.

Meet DEREK DELANEY A Personal Note
From Your Advisor.

Over the years, I've helped families navigate some of the most important financial decisions of their lives. What I've learned is that retirement planning is about much more than numbers. It's about the trips you want to take, the time you want to spend with your grandchildren, and the peace of mind of knowing the people you love will be taken care of.

When you work with me, you get more than a plan. You get someone in your corner who knows your story, answers your calls, and takes personal responsibility for helping you succeed. I'll be honest with you, explain things in plain language, and always put your interests first.

If you're wondering whether you're on the right track, I'd welcome the chance to talk. No pressure and no obligation, just a conversation about where you are and where you'd like to go.

I look forward to meeting you.

CFP®

Certified
Financial Planner 

ChFC®

Chartered
Financial
Consultant

EA

Enrolled Agent

Derek Delaney   Financial Planner

OUR DIFFERENCE Why Work With Us.

OUR DIFFERENCE 
Why Work With Us.

We offer specialized financial planning with a consistent approach and a strong commitment to accountability for life after work.


  • Flat-Fee:

    I exchange my services for a flat fee. I don't charge an asset percentage fee, earn commissions, or am compensated by product sale or referral.




  • Retirement & Tax Focused:

    I specialize in providing tax-smart retirement advice and guidance to help you make impactful retirement decisions.


  • The PharmD Planning Process:

    This a specialized service deliverable that clients experience each year in pursuit of their retirement dreams.
     



  • Limitless:

     I am located south of Minneapolis, MN, and can meet in person or virtually. Location is not a barrier. 
     


  • Expertise:

    I have advanced qualifications and credentials. It allows me to do retirement work for clients that many other advisors cannot.
     



  • Long-Term Relationship:

    I'm not retiring anytime soon. You get me and my expertise by your side for the next 30+ years.

Verified Reviews 
Real Clients. Real Results. 

Wealthtender Certified Advisor Review™

Oct 24, 2025

After years without the best assistance in financial planning, my husband and I located and connected with PharmD Financial Planning. We now not only receive trustworthy information for proper investment of funds, but also assistance with tax planning, and more. Our financial advisor, Derek, listens well; clearly shares his knowledge and insights; responds promptly; and is enjoyable to know. My husband and I recommend PharmD Financial Planning, a reliable, full-service firm.

Relationship to Financial Advisor: Client as of Oct 24, 2025 
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.

- Muriel Hachfeld

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Verified Reviews 
Real Clients. Real Results. 

Wealthtender Certified Advisor Review™

Aug 28, 2025

We really appreciate Derek's holistic approach to our retirement financial plan. He makes a point to understand our goals, our history with money, and how we work together as a couple. Derek's knowledge and software go far beyond our educated investment strategies, supporting us as we transition into retirement spending. Because he isn't beholden to financial products, he is truly an advocate for our financial health.

Relationship to Financial Advisor: Client as of Aug 28, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.

- Donna Kamann

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Verified Reviews 
Real Clients. Real Results. 

Wealthtender Certified Advisor Review™

Jul 25, 2024

Derek is personable, professional and courteous. He is attentive to detail. He explains my portfolio in terms I understand. It has been a pleasure working with him. He makes accommodations for me easily. I have complete confidence in his recommendations for my needs as well as my own personal investment choices. He has explained options clearly. With no hesitation I recommend Derek as a financial planner partner. I am certain you will feel confident in his keen foresight to help your investments grow.

Relationship to Financial Advisor: Client as of Jul 25, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.

- Penny Louise Flavin

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Disclosures

Disclosures

"These testimonials/endorsements were provided by PharmD Financial Planning clients and prospective clients. They may not be representative of the experiences of other clients. The clients were not compensated, nor are there material conflicts of interest that would affect the given testimonials/endorsements. You can view a complete list of reviews at Derek Delaney's Wealthtender profile."

CONNECT WITH US Ready to take
the next step?

Let's discuss your retirement goals and determine how our services align with your needs. Reach out today to schedule an introductory conversation.

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