We provide retirement income solutions tailored to the unique needs of each client. Our clients are intelligent investors, typically 30-70 years old, who are interested in implementing a better financial strategy to ensure a more prosperous and secure retirement. From young people just starting out in their careers, to government employees who have nowhere to turn because their HR departments are nonexistent, to pre-retirees five to 10 years away from retirement, to women living on their own, to very large investors or business owners with complex finances and assets, the retirement strategies and tax mitigation concepts you’ll get from Smart Life Financial can scale up or down.
Our Clients Come From
Many Walks of Life
Couples
Individuals
Business Owners
Federal Employees
State & Local Employees
Teachers & University Staff
Nonprofit Employees
High-Net Worth Families
Individuals, Couples & Families
Retirement is riddled with risks, such as market crashes like we saw in the global recession of 2008 when so many retirements were completely wiped out. Another risk that people with large retirement accounts like traditional 401(k)s, TSPs, etc. will face is income taxes. In 2026, tax brackets are set to go up, so you may have saved a lot less than you think! This plus inflation, potential Social Security cuts, high health care costs and much more demands innovative, tax-advantaged retirement planning well before you plan to retire. Smart Life Financial is here to help!
Business Owners
We help business owners, especially when it comes to retirement planning and succession planning. If you’d like to sell your business to family members, or key employees, or even an outside entity, we can help you with various scenarios, including advanced planning trusts done in conjunction with attorneys, to help mitigate taxation. You can potentially end up a lot better off if you sell correctly. If you want to keep working, we have strategies for that, too. We can help you protect your family members should something happen to you, and help you with strategies to attract and retain key employees.
Government Employees
If you are a federal employee—such as a postal worker, military member, etc.—or work for state or local government or a nonprofit, we have a lot of experience and a special focus on people with TSPs and other government benefit plans like 403(b)s, 457s and more. Smart Life Financial founder, Scott Borhauer, has a particular passion for you because his wife is retired from the U.S. Army, and he is prepared to help you maximize your benefits and prepare for retirement while protecting yourself from retirement risks.
Tailored to YouTax-Advantaged Retirement Planning in
4 Easy Steps
Our specific step-by-step approach is utilized with all of our clients to help us develop the best possible customized retirement plan for you. Our mission is to grow your money, accelerate your wealth using proven tax strategies, and pass on tax-advantaged multigenerational wealth.
Setting up your first free consultation is easy and comes with no obligation. Our first call is your first step towards planning your tax-advantaged retirement.
Call us:
(952) 234-6086
Email us:
info@smartlifefinancial.com
Schedule Online
The second step in our process is another online meeting where we take a deep-dive into your current financial situation and discuss exactly where you see yourself in retirement including where and how you plan to live. Depending on your retirement lifestyle goals and current savings, we’ll begin defining how much monthly retirement income you may need to achieve your objectives. If you are a business owner, our agenda will revolve around your goals for selling or handing down the reins, or dozens of other things we may need to discuss.
The third step in our process is where Smart Life Financial goes to work to create a custom retirement plan for you (or a business succession plan if you are a business owner) based on your goals and objectives. As an independent firm, Smart Life Financial has access to hundreds of strategies to help you mitigate taxation, generate lifetime income, and pass on tax-advantaged wealth to the next generation which we can use to build your plan.
The fourth and final step is where we present you with a comprehensive plan designed to achieve your desired future. If you love the plan, final adjustments will be made, documents will be executed, and you will begin your journey! And remember, your plan is a living document. Through the years, we will go through the entire process again as your family, life, goals, and circumstances change.
Sign Up for our
Monthly Newsletter!
Receive financial information delivered right to your inbox.
Retirement Resources
Financial News, Information & Insights
At Smart Life Financial, we are passionate about consumer education, giving back to the community, and helping others with financial information they may need but might not have been able to get anywhere else. Retirement Insights is our blog with articles covering financial matters, actionable tips, new legislation and more. Calculators are a great way to explore your retirement readiness, and our downloadable whitepapers can give you more in-depth information about retirement issues.
No-Fee Retirement Plans
Contact Us
At Smart Life Financial, we want to hear from you as soon as possible! Initial consultations are always free and without obligation, so what are you waiting for? Send us this form today and let’s get started.
Sign Up for our Monthly Newsletter!
Receive financial information delivered right to your inbox.