Retire well,
right here in the north
and northwest
suburbs.
Three generations of one family helping families like yours retire with a plan that actually holds, through markets, through life events, through whatever comes next.
Not sure if we’re the right firm for you? You won’t know until we talk. If we aren’t a fit, we’ll tell you who is.
A retired couple, Winnetka
Property tax · annual
Monthly paycheck plan
Three pieces. One plan.
The whole family in mind.
Wealth that holds its ground.
Gold and silver have been a store of value for thousands of years. We help Northern Suburbs families add metals to their retirement allocation in a way that fits the rest of the plan.
See our Precious Metals approach
A retirement paycheck you can plan around.
An annuity, structured well, can give your family a predictable monthly income for the rest of your life. We walk you through the options, the trade-offs, and what fits your situation.
Explore Annuities
Protection today. A legacy tomorrow.
The right life insurance policy does more than protect your family, it can build cash value, ease estate transfer, and create tax-aware income. We help you see all of it.
Explore Life InsuranceFamily-owned and run since 1977.
Plans that weathered every market cycle.
Suburbs from Skokie to Lake Forest.
No parent brokerage, no product quotas.
A complete retirement
plan, every discipline deep.
We assemble only the pieces that serve your family. Every plan is different, because every family is.
Precious Metals
Wealth that holds its ground.
Annuities
A paycheck that doesn't quit.
Life Insurance
Sleep without worry.
Retirement Planning
Leave work on your terms.
Income Planning
Travel, give, live.
Tax Strategies
Keep more of what's yours.
Estate Planning
Pass it on, cleanly.
Long-Term Care Planning
Cover the cost of care, without unwinding the rest of the plan.
Home Healthcare Planning
Make staying home an actual plan, not just a hope.
Strategic Life Insurance
Use insurance on purpose, for wealth transfer and estate liquidity.
Risk Management
Protect what you've built.
What about the other professionals you need?
Most retirements need more than one trusted voice. You need someone for the plan itself, someone for taxes, someone for the estate, and often someone for insurance and annuities.
Some firms try to do all of it under one roof. Simply Retired doesn’t. We focus on what we do best, retirement income, annuities, life insurance, and metals, and we work alongside the CPAs, estate attorneys, and tax professionals you already trust. If you don’t have those people in place yet, we’ll point you toward ones we’ve worked with for years.
What retirement actually looks like,
when the plan holds up.
Your plan is working in the background, usually the right annuity, the right metals, the right mix. This is the retirement our clients actually live. Let’s build yours together.
Four pictures of retirement.
The walk on the beach. The Saturday round. The book on the porch. The evening by the fire. This is what Simply Retired is actually building for.
You tell us the life.
We build the plan around it.
Every family has a different picture of retirement. Ours is the only job that matters, making yours real.
- A FAMILY, WILMETTE12%Metals allocation in placeAGE 58PORTFOLIO HEDGE
- A WIDOWER, EVANSTON$4,800+$2,100/mo vs. SS aloneAGE 67MONTHLY INCOME FLOOR
- A RETIRED COUPLE, WINNETKA$2.47M+$940K vs. no planAGE 62LIFETIME INCOME
- A COUPLE, GLENVIEW$48K/yr+$11K/yr vs. claiming at 62AGE 67OPTIMAL CLAIMING AGE
- A COUPLE, NORTHBROOK8 yrsof runway addedAGE 60PORTFOLIO LASTS
- A COUPLE, GLENVIEW$94K/yrCoordinated from 5 sourcesAGE 65RETIREMENT PAYCHECK
- A COUPLE, GLENCOE$84KShifted tax-free over 5 yrsAGE 63ROTH CONVERSION LADDER
- A FAMILY, HIGHLAND PARK$300KIllinois exemption usedGEN 2 → 3KEPT IN FAMILY
- A COUPLE, DEERFIELD$240KHybrid LTC policy in placeAGE 62CARE FUNDING SECURED
- A WIDOW, EVANSTON$30K/yr20 hrs/wk in-home care, fundedAGE 78AGING IN PLACE
- A FAMILY, NORTHBROOK$2.0MTax-aware to next gen via ILITAGE 65WEALTH TRANSFER
- A COUPLE, LAKE FOREST21%Sequence-of-returns risk reducedAGE 66DOWNSIDE PROTECTION
You’ll meet Perry.
I won’t hand you off to a robot or a phone tree. You call, you get me. Same table you sit at, at our Evanston office, every meeting, every plan.
A family firm,
for your family.
No quotas. No commissions. No products to push. We’re an independent family firm that answers to you, the way it’s been since 1977.
Family-run
Three generations under the same roof. The same people who answer your call wrote your plan.
Truly local
We live in the Northern Suburbs too. We know what retiring here actually costs.
Independent
No parent brokerage and no proprietary products. Every recommendation is independent of any single carrier.
Insurance and annuity placements, fully disclosed.
When we place an annuity or a life insurance policy, we tell you what the carrier pays us and explain why that product fits your situation. We don’t sell proprietary products. Every recommendation is independent of any single carrier.
A family practice that has been planning Chicago retirements for nearly 50 years.
Straight answers
from real advisors.
Planning retirements,
up and down the North Shore.
The credentials behind every plan.
Common questions, plain answers.
What does our firm do?
We're a family-owned firm in Evanston, Illinois helping retirees and pre-retirees plan around retirement income, annuities, life insurance, precious metals, long-term care, home healthcare, tax-aware withdrawals, and estate planning. We've served families across Chicago's Northern Suburbs since 1977, across three generations of our family.
Where are you located?
Our office is at 909 Davis Street, Suite 500, Evanston, IL 60201. We work with families across the Northern Suburbs, including Evanston, Northbrook, Glenview, Buffalo Grove, Skokie, Deerfield, Arlington Heights, and Mount Prospect. You can reach us at (847) 494-4483 or perry@simply-retired.com.
How is our firm compensated?
We're paid through commissions on the insurance and annuity products we place. When we place an annuity or a life insurance policy, we tell you what the carrier pays us and explain why that product fits your situation. We don't sell proprietary products. Every recommendation is independent of any single carrier.
How do I know if you're the right firm for me?
Book a free 30-minute consultation. There's no commitment, no sales pitch, and no obligation. We'll look at where you are, where you want to be, and tell you whether we're a fit. If we aren't the right firm for you, we'll tell you and point you toward who is. Use our calendar at /book/intro-call or call (847) 494-4483.
When should I start retirement planning?
The earlier the better. Most of the highest-impact tax-saving strategies, Roth conversions, charitable trusts, gifting strategies, business exit planning, require 2 to 5 years to set up properly. If you're within 10 years of retirement, the planning window is now. If you're within 24 months of selling a business, the window is closing fast. We work with clients at every stage but the moves available shrink as the clock runs.
What makes the Northern Suburbs different for retirement planning?
Cook County and Lake County have some of the highest property tax rates in the nation, which becomes a fixed retirement expense often $15,000 to $25,000 per year on typical North Shore homes. Illinois exempts Social Security, IRA distributions, and pension income from state income tax, but the $4 million Illinois estate tax exemption catches many North Shore families because home equity alone can push estates above that threshold. We plan around all of these region-specific dynamics.
Do you work alongside CPAs and estate attorneys?
Yes. We focus on what we do best, retirement income, annuities, life insurance, long-term care, and metals, and we work alongside the CPAs, estate attorneys, and tax professionals you already trust. If you don't have those people in place yet, we'll point you toward ones we've worked with for years.
Let’s talk about
your retirement.
Not sure if we’re the right firm for you? You won’t know until we talk. If we aren’t a fit, we’ll tell you who is.