Retirement Isn’t Just About Investments. It’s About Retirement Income & Tax Strategy.

Helping high-net-worth pre-retirees and retirees design tax-efficient income strategies through the Code 2 Retirement™ System.

Take the Code 2 Retirement Readiness Test
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Cory chapman

Meet Cory Chapman

For over three decades, Cory Chapman has helped successful professionals, business owners, and retirees navigate the most critical transition of their financial lives — retirement.

As founder of EFC Wealth Management, Cory has guided clients through market cycles, tax changes, and retirement transitions while managing over $100 million in assets under care.

Learn More About Cory

Through his Code 2 Retirement™ framework, Cory helps individuals answer the most important retirement questions:

  • How do I generate income in retirement?
  • How do I reduce taxes on my retirement assets?
  • How do I protect my wealth from market volatility?
  • How do I ensure my money lasts for the rest of my life?

Because retirement is not about guessing.

It’s about strategy.

The Code 2 Retirement™ System

Your retirement strategy should be built like a Sound Fiscal House.

Each element of the Code works together to produce a stable, tax-efficient retirement income plan.

The Five Elements

Arrow

Roof

Market Growth Investments

Dollar

Walls

Guaranteed Lifetime Income

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Foundation

Protected Growth & Principal Safety

Fence Icon

Fence

Tax Efficiency & Strategic Distribution Planning

Dollar

Chimney

Emergency Liquidity & Cash Reserves

Learn the Code 2 Retirement System

Retirement Isn’t Just About Growing Wealth

It’s about keeping more of it.

High-net-worth retirees often face hidden financial risks:

  • Unnecessary retirement taxes
  • Poor Social Security timing decisions
  • Income gaps in early retirement
  • Market volatility destroying withdrawals
  • Lack of coordinated income planning

The Code 2 Retirement™ system integrates tax
strategy, income planning, and investment structure
into one comprehensive framework.

Education First. Strategy Second.

Cory believes informed clients make better financial decisions.
Through workshops, media appearances, and online training, Cory teaches retirement strategies including:

  • Tax efficient retirement withdrawals
  • Social Security optimization
  • Roth conversion strategies
  • Income diversification in retirement
  • Retirement tax planning
Watch the Retirement Masterclass

Featured Case Studies

Real Case Studies from Real Clients

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Testimonials

Education Impact

Thousands of professionals have attended Cory’s retirement workshops and educational events designed to help individuals prepare for retirement with clarity and confidence.

Frequently Asked Questions

Find answers to the most commonly asked questions.

What is retirement planning?

Retirement planning is the process of setting financial goals and creating a strategy to ensure you have sufficient income to maintain your desired lifestyle after you stop working. It includes savings, investments, risk management, and tax-efficient planning.

When should I start planning for retirement?

The earlier, the better. Ideally, you should start as soon as you begin earning. Early planning allows you to take advantage of compounding and requires smaller contributions over time. However, it’s never too late to start.

How much money do I need to retire comfortably?

The amount depends on your lifestyle, expenses, inflation, and life expectancy. A common rule is to aim for 70–80% of your pre-retirement income annually. A detailed financial assessment can provide a more accurate estimate tailored to your needs.

What services do you offer for retirement planning?

We offer comprehensive retirement solutions including:

  • Financial goal assessment
  • Retirement corpus estimation
  • Investment planning and portfolio management
  • Tax-efficient strategies
  • Risk management and insurance planning
  • Regular portfolio reviews and adjustments

Can you help me create a personalized retirement strategy?

Yes, we specialize in building customized retirement plans based on your income, goals, risk tolerance, and time horizon. Our approach ensures your strategy is aligned with your unique financial situation and long-term objectives.

What happens during the first consultation?

During your first consultation, we will:

  • Understand your financial goals and current situation
  • Evaluate your income, expenditures, and current investments
  • Discuss your retirement plans
  • Identify areas for improvement and opportunities
  • Discuss your preliminary plan

How do I get started?

Getting started is easy:

  1. Schedule your consultation with our team
  2. Share your basic financial information
  3. Get your personalized roadmap to retirement
  4. Benefit from our assistance as you start your plan

Contact to our Retirement Income Strategist Today

Take the Code 2 Retirement Readiness Assessment to see how your current plan stacks up.
Apply to Speak to our Retirement Income Strategist
Code2retirement logo

Contact to our Retirement Income Strategist Today

Take the Code 2 Retirement Readiness Assessment to see how your current plan stacks up.
Apply to Speak to our Retirement Income Strategist
Code2retirement logo
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