Complimentary Second-Opinion Retirement Strategy Consultation
Is Your Money Actually Ready for Retirement — Or Just Sitting There?
If you have over $250,000 saved and you don't have a clear strategy to create income, continue to grow your assets and protect your downside to accomplish your goals, this free consultation could change everything.
Find out if your assets are actually working together efficiently
Reduce unnecessary taxes in retirement
Build a reliable income structure you can count on
Create a growth strategy that fits your needs
Get a real second opinion — no pressure, no obligation
What This Strategy Session Helps You Evaluate
This consultation is designed to help you step back, review the bigger picture, and see whether your current strategy is truly coordinated for retirement.
Coordination
See whether your retirement accounts, income plan, protection strategy, and long-term goals are actually working together.
Taxes
Identify where unnecessary tax drag may be affecting your long-term retirement picture.
Income
Review whether your current assets are positioned to support a more reliable retirement income strategy.
Second Opinion
Get a fresh perspective on your current holdings and overall approach without pressure or obligation.
Having Money Saved Is Not The Same As Having A Retirement Strategy
Many people have built meaningful assets over time but still do not know whether those assets are positioned for income, protection, tax awareness, and long-term stability. A portfolio by itself does not automatically create retirement clarity.
As retirement gets closer, the real questions become more important:
How will income be created from what you have built?
How exposed are you to unnecessary taxes?
How much risk are you really carrying?
And is your current plan coordinated around retirement, or just spread across separate accounts and separate opinions?
This consultation is designed to help you look at the full picture and get a more structured second opinion on where you stand.
PROS·PER·I·TAS
Advance or gain in anything good or desirable;
Successful progress in any business or enterprise;
Attainment of the object desired;
Attainment of the object desired;
Successful, flourishing, or thriving condition;
Good fortune.
Hi I'm Jerry Citarella
When you work with me, my goal is simple: help you think more clearly about the financial decisions that shape your retirement.
For nearly 35 years, I've guided clients through retirement planning, estate strategies, tax considerations, and business-owner planning—always with a focus on education over pressure.
I'm a Registered Financial Consultant and a Certified Financial Fiduciary, and I've built my approach around providing thoughtful, independent guidance rather than pushing products.
Over the years, I've also written a book, hosted a radio show, published a weekly column called The Truth Helps, and led educational seminars since 1992—all centered on helping people make more informed decisions.
This Is Best For People Who Want Clarity Before Retirement Decisions Get Bigger
Clarity. Patience. Straight answers. Thoughtful guidance.
Retirees and near-retirees
People who have saved significantly but want a clearer income strategy
People who want to reduce guesswork around taxes and protection
People who already have accounts or even an advisor, but want a serious second opinion
Households looking for structure, not generic advice
A Smarter Way To Compare Annuity Options
Use the Prosperitas Financial Annuity Report Generator to review and compare annuity options with more clarity, structure, and confidence.
Frequently Asked Questions
Yes. The initial consultation is complimentary and designed as a second-opinion conversation.
Yes. This is positioned as an independent second opinion, not as a requirement to replace your current relationship.
Your current holdings, retirement income approach, protection concerns, tax-awareness issues, real goals, and how coordinated your overall strategy appears to be.
No. The session is meant to provide clarity and help determine whether deeper planning makes sense.
Retirees and near-retirees who want a clearer retirement income and overall strategy, especially those with substantial investable assets.
Get Clarity On Whether Your Retirement Strategy Is Actually Working Together
This complimentary second-opinion consultation is designed for retirees and near-retirees who want a more coordinated view of their current holdings, retirement income, and long-term stability.
For qualified households with $500,000+ in investable assets.