President at Pinnacle Retirement Inc.
Fort Collins, Colorado
Rick Kelly, CSA, CAS, President, is a licensed independent financial professional at Pinnacle Retirement Inc. in Fort Collins, Colorado with 39+ years of experience. Specializing in Annuity Planning, Retirement Planning, Lifetime Income. As an independent advisor, they offer personalized retirement planning guidance from multiple providers with no pressure to buy specific products.
✓ SafeMoney Certified™
Phone: 970-541-4772 | 719-985-7747
Email: [email protected]
Website: https://pinnacleretirementinc.com/
Licensed Independent Financial Professional · 39+ Years Experience · SafeMoney Certified™
Welcome to Pinnacle Retirement Inc. — 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, or looking for trusted, independent retirement guidance—then we may be the right fit for you.
We Offer Personalized Retirement Strategies Including:
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.
Contact Rick today to discuss your retirement planning needs in Fort Collins, Colorado.
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Rick Kelly, CSA, CAS at Pinnacle Retirement Inc. offers Annuity Planning, Retirement Planning, Lifetime Income in Fort Collins, Colorado. As an independent licensed financial professional, they provide personalized recommendations from multiple providers.
Independent advisors aren't tied to a single company's products, so they can recommend the best solutions for your specific needs. They focus on education first, helping you understand all your options before making decisions.
Yes, Rick Kelly, CSA, CAS is SafeMoney Certified™, demonstrating specialized expertise in safe money strategies and retirement income planning.
Most SafeMoney.com advisors offer complimentary initial consultations. There's no cost or obligation to meet and discuss your retirement planning needs.
Your first meeting typically covers your current financial situation, retirement goals, risk tolerance, and timeline. The advisor will explain different safe money options and answer your questions without pressure to buy anything.