ABOUT
Scott Farrow,
Farrow & Associates
Scott has spent his career helping families make sense of money decisions that don't fit neatly on a spreadsheet. He built this site for the conversations he has every week — about whether the math actually works.
Why this site exists
Most people don't need more financial information — they need a clearer way to see what they already have. The Retirement Assessment and Calculator are meant to give you that view in a few minutes, without selling anything.
How we work together
If after using the tools you'd like a conversation, we can schedule one. No pressure, no obligation — just a chance to walk through your situation with someone who's done this for a long time.
How Much Do You Need?
There's no universal number, but there are proven ways to estimate yours. We look at your expected spending in retirement, your income sources, and how long your money may need to last — then work backward to a target that actually fits your life.
Where Will the Money Come From?
For most retirees, income comes from a mix of Social Security, retirement accounts (like 401(k)s and IRAs), pensions, and personal savings. Understanding how these sources work together — and in what order to tap them — is one of the most important planning decisions you'll make.
Spending Down Smartly
Which accounts do you withdraw from first? How much can you safely take each year? A thoughtful withdrawal strategy can help your money last longer and reduce what you pay in taxes along the way.
Planning for Healthcare
Healthcare is one of the largest and most unpredictable expenses in retirement. Medicare starts at 65, but gaps and supplemental costs add up. Planning ahead — including long-term care considerations — can protect you from unexpected financial strain.
Making Sure the Money Lasts
People are living longer than ever, which is wonderful — and financially significant. Your retirement could span 25 to 30 years. A good plan accounts for inflation, sustained withdrawals, and the possibility of a longer life than you might expect.
Ready to see where you stand?
It only takes a few minutes — and you'll get a clearer picture of what comes next.
Why this site exists
Most people don't need more financial information — they need a clearer way to see what they already have. The Retirement Assessment and Calculator are meant to give you that view in a few minutes, without selling anything.
The owner of Farrow & Associates is an investment adviser representative at Geneva Partners, LLC, an SEC registered investment adviser. SEC registration does not imply a certain level of skill or training. Wealth management and financial planning services are offered through Geneva Partners, LLC.
This website is for educational purposes only and should not be considered financial, tax, or investment advice.
Ready to Find Out Where You Stand?
If Scott's approach sounds like what you've been looking for, the next step is simple. You can start right now — no appointment needed — by taking the Retirement Assessment or running your numbers through the Retirement Calculator.
Or, if you'd prefer to talk directly, Scott would be glad to spend some time with you. No pressure, no commitment — just an honest conversation about where you are and what steps might make sense for you.