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Tailored strategies for every stage of your financial life.
Led by Joe Donti in Scottsdale, Arizona, Solutions First Financial Group helps individuals and families with investment management, income and tax-aware strategies, asset protection, and healthcare and legacy planning — coordinated to protect your lifestyle, savings, and peace of mind.
Five disciplines, working as one plan.
A 30-second look at how Income, Investment, Taxes, Health, and Legacy connect in our process.
Five disciplines. One coordinated plan.
Every piece of your financial picture — Income, Investment, Taxes, Health, and Legacy — designed to work together rather than in silos.
Income
Coordinate Social Security, pensions, and strategies designed to support your income over a long retirement — with a plan for rising costs, taxes, and changing markets. Contract-based income, where applicable, depends on the claims-paying ability of the issuing insurer.
- Withdrawal sequencing
- Inflation-aware modeling
- Contract-based income layers
Investment
Ongoing investment advice built around your goals, time horizon, and risk tolerance — with attention to allocation, costs, tax efficiency, and regular reviews.
- Risk-aligned allocation
- Tax-aware investing
- Fee & cost transparency
Taxes
Coordinate tax-aware investment, income, and withdrawal decisions with your tax professional. We do not provide tax or legal advice.
- Roth conversion modeling
- RMD strategy
- QCDs up to $111,000 in 2026
Health
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
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
Curious how long your savings could support your retirement income? Run your own numbers in our informational calculator.
Open the income calculatorMore ways we help
Asset Preservation
Use conservative strategies and insurance-based tools that may help manage downside risk while still pursuing growth over time. All investing involves risk, including loss of principal.
Social Security Planning
Claim-age comparison, spousal and survivor strategy, and tax-torpedo analysis.
401(k) & IRA Rollovers
Side-by-side analysis before you move a dollar from an old employer plan.
Annuities & Guaranteed Income
Fixed, indexed, and income annuities explained plainly — with the fine print.
Women & Retirement
Longevity, widowhood, career-gap, and caregiver planning done with care.
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 profileYour financial questions, answered.
Straight answers to the questions Joe hears most from Scottsdale and Phoenix individuals and families — whether they're building wealth, planning ahead, or already drawing income.
Ready to see how it fits together?
Sit down with Joe and walk through how each piece can work for your situation — in writing.
Get Your Written Financial PlanBy appointment only · No cost · No obligation