Tailored strategies for every season of retirement.
Led by Joe Donti in Scottsdale, Arizona, Solutions First Financial Group helps families build retirement income, asset protection, tax-aware strategies, and healthcare planning designed to protect your lifestyle, savings, and peace of mind.
Six disciplines. One coordinated plan.
Every piece of your retirement — income, taxes, risk, and legacy — designed to work together rather than in silos.
Retirement Income Planning
Coordinate Social Security, pensions, and strategies to help ensure your money is structured to last as long as you do — with a plan for rising costs, taxes, and changing markets.
- Withdrawal sequencing
- Inflation-aware modeling
- Guaranteed income layers
Asset Preservation
Use conservative strategies and insurance-based tools designed to help limit major market losses while still pursuing growth over time.
- Downside risk review
- Bucket-based allocation
- Principal-protection tools
Social Security Planning
Explore different claiming options and timing so your Social Security benefits work together with the rest of your retirement income plan.
- Claim-age comparison
- Spousal & survivor strategy
- Tax-torpedo analysis
Estate & Legacy
Work alongside your estate attorney so beneficiaries, titling, and trusts are actually aligned with your intent — and stay that way.
- Beneficiary reviews
- Trust coordination
- SECURE Act planning
Tax-Aware Planning
Coordinate investment, income, and withdrawal strategies with your tax professional so you can work to keep more of what you've saved.
- Roth conversion modeling
- RMD strategy
- QCDs up to $111,000 in 2026
Medicare & Healthcare
Evaluate Medicare timing, IRMAA surcharges, and long-term care options so healthcare events don't undo years of hard work.
- Medicare enrollment
- IRMAA coordination
- Long-term care options
More ways we help
Plans on paper. No heavy product pitch.
You leave every meeting with something you can hold — a written summary of what we discussed, the trade-offs, and the exact next step. No pressure, no jargon.
- Clarity before commitment — written recommendations first
- Fees, commissions, and trade-offs disclosed up front
- Long-term relationships, not one-time transactions
A calm, four-step path to a written plan.
Discovery Call
A brief conversation to understand your goals, timeline, and current situation — and see if we're a fit.
Strategy Session
A no-cost 45-minute deep dive with Joe to review income, taxes, protection, and legacy gaps.
Written Plan
You receive a clear, written roadmap outlining recommendations, trade-offs, and next steps.
Implementation & Reviews
We help implement the plan and revisit it as life, markets, and tax law change.
Let's build the plan that helps you stop worrying about "what if."
Meet with Joe for a no-cost, no-pressure 45-minute strategy session in Scottsdale or by video.
Trusted by Scottsdale families for over two decades.
Joe took the time to actually explain our income plan in plain English. We walked out with a written roadmap — no heavy product pitch.
For the first time we understand how Social Security, taxes, and our savings fit together. The clarity alone was worth the meeting.
No pressure, no jargon. Joe answered every question and helped us feel confident about the next 20 years of retirement.
Important disclosure: Testimonials shown reflect individual client experiences and are not representative of all clients. They are not a guarantee, indicator, or assurance of future performance or success. Clients were not compensated for their statements, and no material conflicts of interest exist in connection with these endorsements. Past results do not predict future outcomes. Investing involves risk, including possible loss of principal. Names shortened for privacy.
View our Google profileRetirement planning, answered.
Straight answers to the questions Joe hears most from Scottsdale and Phoenix families preparing for, or already in, retirement.
Ready to see how it fits together?
Sit down with Joe and walk through how each piece can work for your situation — in writing.
Book Your Strategy SessionBy appointment only · No cost · No obligation