Welcome to Pinnacle Retirement — Trusted Retirement Planning with Rick Kelly
At Pinnacle Retirement Inc., we’re committed to helping conservative boomers and retirees eliminate financial stress and build a secure, confident retirement. Our mission is simple: to protect your income, preserve your wealth, and provide peace of mind—no matter what the markets do.
Led by Rick Kelly, a Certified Annuity Specialist (CAS) and Certified Senior Advisor (CSA), Pinnacle Retirement specializes in independent, conservative retirement planning solutions designed to reduce risk and deliver lasting financial security.
Meet Rick Kelly – Founder & President of Pinnacle Retirement
I’m Rick Kelly, the founder and President of Pinnacle Retirement Inc. My financial services career began in April 1987 with a Wall Street firm offering full-spectrum financial planning. But everything changed for me on Black Monday, October 19, 1987—when the markets delivered a hard lesson on volatility and risk.
That pivotal moment shaped the direction of my career and reinforced my belief in conservative, defensive planning as the foundation for retirement success.
Why I Created Pinnacle Retirement
In 1999, I founded The Pinnacle Annuity Corporation in Scottsdale, Arizona. The goal? To provide education-focused annuity planning and help clients make informed decisions when navigating annuity options. Over 18 years in Arizona, including the turbulent “Lost Decade,” I saw firsthand how poorly managed market exposure impacted retirees’ dreams.
In 2013, my family and I relocated to Colorado, where I continued the mission of Pinnacle Retirement—to guide retirees through market uncertainty with safe money strategies, annuity planning, and lifetime income solutions.
Our Retirement Planning Philosophy
At Pinnacle Retirement, we believe your money should work for you without putting your future at risk. If you’re nearing or in retirement, and you’re:
- Concerned about market volatility
- Focused on preserving what you’ve earned
- Interested in lifetime income with no market losses
- Looking for trusted, independent retirement guidance
Then we may be the right fit for you.
We offer personalized retirement strategies that include:
- Annuity reviews and recommendations
- Market loss protection
- Lifetime income planning
- Wealth preservation strategies
- Tax-aware retirement solutions
Why Work with Rick Kelly and Pinnacle Retirement?
With over three decades of experience in financial services, my approach is rooted in education, integrity, and putting your needs first. As an independent insurance and annuity professional, I’m not tied to any single carrier—my only obligation is to you.
I’ve seen the ups and downs of the financial world and know how quickly things can change. That’s why every plan I design is built on a solid foundation of security, stability, and peace of mind.
About Me and My Family
I met my wife Charlene back in grade school, and we reconnected in our 20s before marrying in 1994. We’ve been blessed with two amazing children, Gavin and Tori Joy, and two rescue pups, Denver and Harvee Joy (our Hurricane Harvey survivor). We love the Colorado lifestyle and enjoy everything from hiking and skiing to simply enjoying the mountains.
Let’s Talk About Your Retirement Goals
If you’re risk-averse, value protection over speculation, and want to retire with confidence, I invite you to connect with me. Let’s discuss how Pinnacle Retirement can help you design a plan that fits your needs, goals, and values—so you can Retire With Security.
📞 Schedule a consultation with Rick Kelly today.
🌐 Visit our resources and educational guides to start learning now.
