We Don't Sell Products. We Solve Problems.
The Protective Wealth Group was built on a simple idea: retirement planning should connect everything — not just the pieces your advisor happens to sell.
Credentials
- Licensed Fiduciary
- [XX+ Years Experience]
- [Designations — Rich to provide]
- Tampa Bay, Florida
Rich Ison
"You don't need to agree with everything I say. You just need to know whether or not this applies to you."
Most financial advisors specialize in one thing — investments, insurance, or tax preparation. Rich built his practice around the idea that these things can't be separated. Every decision you make in retirement affects your tax return, your income, and your risk exposure.
His approach starts with education, not products. Before any recommendation is made, Rich walks clients through the same framework he uses in his Transitions seminar — explaining how the tax code actually works in retirement, where the hidden risks are, and what options exist that most people never hear about.
The goal isn't to scare anyone or to sell anything. It's to move you from uninformed to informed — so you can make decisions with clarity, not anxiety.
Rich works with pre-retirees and retirees in the Tampa Bay area, typically families with $500,000 or more in retirement savings who want their investments, taxes, insurance, Medicare, and estate planning coordinated into one strategy.
Our Process
Discovery Conversation
A free, no-obligation conversation where we learn about your situation — your accounts, income sources, tax picture, and what matters most to you. We listen before we advise.
Comprehensive Analysis
We build a year-by-year projection that shows how your income, taxes, Social Security, RMDs, and Medicare costs interact. You see the full picture — often for the first time.
Coordinated Plan
We present clear options with real numbers. You decide what makes sense. If you choose to work with us, we implement and manage the plan. If not, you leave more informed than you came in.
What We Believe
Education before recommendation
You should understand why before you decide what. We explain first, recommend second.
Coordination over specialization
Retirement doesn't happen in lanes. We connect investments, taxes, insurance, Medicare, and estate planning into one strategy.
Transparency over transactions
We show you the full picture — including the things that don't benefit us. Our job is to inform, not to close.
Planning over products
Products are tools, not solutions. The plan comes first. Everything else serves it.