Retirement Planning Isn’t Just About Investments. It’s About Retirement Income & Tax Strategy.

Helping high-net-worth pre-retirees and retirees build a personalized retirement planning strategy focused on tax-efficient income, investment structure, and long-term financial security through the Code 2 Retirement™ System.

Meet Cory Chapman

For over three decades, Cory Chapman has helped successful professionals, business owners, and retirees navigate one of the most important financial transitions of their lives: retirement.

As founder of EFC Wealth Management, Cory has guided clients through market cycles, tax changes, and retirement transitions while managing over $100 million in assets under care.

Through his Code 2 Retirement™ framework, Cory helps individuals develop a comprehensive retirement planning strategy and answer some of the most important questions about their financial future:

How do I generate reliable income in retirement?
How can I reduce taxes on my retirement assets?
How should I structure my investments for retirement?
How can I protect my wealth from market volatility?
How do I create a retirement income strategy designed to last throughout my lifetime?

Because retirement is not about guessing.

It’s about strategy.

The Code 2 Retirement™ System

Your retirement planning strategy should be built like a Sound Fiscal House.

Each element of the Code works together to create a comprehensive, tax-efficient retirement income plan designed around your financial goals.

The Five Elements

Retirement Planning Isn’t Just About Growing Wealth

It’s about keeping more of what you’ve worked hard to build.

High-net-worth retirees can face significant financial challenges during retirement, including:

The Code 2 Retirement™ System integrates retirement income strategies, tax planning, and investment structure into one comprehensive framework designed to help you make informed retirement decisions.

Education First. Strategy Second.

Cory believes informed clients make better financial decisions.

Through workshops, media appearances, and online training, Cory teaches practical retirement planning strategies, including:

Tax efficient retirement withdrawals
Social Security optimization
Roth conversion strategies
Income diversification in retirement
Retirement tax planning
Retirement income strategies

Featured Case Studies

Real Case Studies from Real Clients

Testimonials

Education Impact

Thousands of professionals have attended Cory’s retirement workshops and educational events designed to help individuals prepare for retirement with clarity and confidence.

“The strategies we’ve learned from Cory and his team have completely simplified the way we approach our retirement planning. Before, it felt like we had a lot of different financial pieces but no clear way to bring them all together. The Code 2 Retirement™️ approach helped us see the bigger picture, understand what needed attention, and create a clear direction for our retirement. Today, we feel much more organized, informed, and confident about the decisions we’re making.”

Randy G.

“Cory’s approach to tax and retirement planning has changed the way we look at our real estate, retirement income, and long-term financial decisions. Instead of looking at everything separately, we now understand how the pieces work together. Having a strategy and knowing what we’re working toward has given us a tremendous amount of clarity and peace of mind as we prepare for retirement.”

Joe & Ladonna

“Before meeting Cory and his team, we never thought we would have this much clarity and confidence about our retirement. Cory’s attention to detail and the way he walks us through the strategy helped us understand not only where we are today, but what we need to be thinking about for the future. For the first time, we feel like we have a real retirement strategy instead of just a collection of accounts. That has given us tremendous reassurance and peace of mind.”

Darnel & Robin

Frequently Asked Questions

Find answers to the most commonly asked questions.

What is retirement planning?

Retirement planning is the process of setting financial goals and creating a strategy to ensure you have sufficient income to maintain your desired lifestyle after you stop working. It includes savings, investments, risk management, and tax-efficient planning.

When should I start planning for retirement?

The earlier, the better. Ideally, you should start as soon as you begin earning. Early planning allows you to take advantage of compounding and requires smaller contributions over time. However, it’s never too late to start.

How much money do I need to retire comfortably?

The amount depends on your lifestyle, expenses, inflation, and life expectancy. A common rule is to aim for 70–80% of your pre-retirement income annually. A detailed financial assessment can provide a more accurate estimate tailored to your needs.

What services do you offer for retirement planning?

We offer comprehensive retirement solutions including:

Financial goal assessment
Retirement corpus estimation
Investment planning and portfolio management
Tax-efficient strategies
Risk management and insurance planning
Regular portfolio reviews and adjustments

Can you help me create a personalized retirement strategy?

Yes, we specialize in building customized retirement plans based on your income, goals, risk tolerance, and time horizon. Our approach ensures your strategy is aligned with your unique financial situation and long-term objectives.

What happens during the first consultation?

During your first consultation, we will:

Understand your financial goals and current situation
Evaluate your income, expenditures, and current investments
Discuss your retirement plans
Identify areas for improvement and opportunities
Discuss your preliminary plan

How do I get started?

Getting started is easy:

Schedule your consultation with our team
Share your basic financial information
Get your personalized roadmap to retirement
Benefit from our assistance as you start your plan

Connect With Our Retirement Income Strategist Today

Take the Code 2 Retirement Readiness Assessment to see how your current retirement planning strategy stacks up.