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™
Rick Kelly serves as the President of Pinnacle Retirement Inc., located in Fort Collins, Colorado. He leads the firm as 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.
Rick Kelly began his financial services career in April 1987 with a Wall Street firm offering full-spectrum financial planning. The events of Black Monday, October 19, 1987, had a significant impact on him, shaping the direction of his career and reinforcing his belief in conservative, defensive planning as the foundation for retirement success.
In 1999, Rick Kelly founded The Pinnacle Annuity Corporation in Scottsdale, Arizona. The goal was 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," he observed firsthand how poorly managed market exposure impacted retirees' dreams. In 2013, Rick Kelly and his family relocated to Colorado, where he continued the mission of Pinnacle Retirement—to guide retirees through market uncertainty with safe money strategies, annuity planning, and lifetime income solutions.
Pinnacle Retirement believes that money should work for clients without putting their future at risk. The firm focuses on serving those nearing or in retirement who are concerned about market volatility, focused on preserving what they've earned, interested in lifetime income with no market losses, or looking for trusted, independent retirement guidance. Services offered include annuity reviews and recommendations, market loss protection, lifetime income planning, wealth preservation strategies, and tax-aware retirement solutions.
With over three decades of experience in financial services, Rick Kelly's approach is rooted in education, integrity, and putting clients' needs first. As an independent insurance and annuity professional, he is not tied to any single carrier and states, "my only obligation is to you." Rick Kelly has seen the ups and downs of the financial world and knows how quickly things can change. He emphasizes that every plan he designs is built on a solid foundation of security, stability, and peace of mind.
Contact Rick Kelly to discuss retirement planning needs in Fort Collins, Colorado.
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.