Contact Information
The Exchange Building
1122 Kenilworth Drive
Suite 115
Towson, MD 21204
Phone: 410-231-7040
Email: brian@griggfinancial.com
1122 Kenilworth Drive, Towson, Maryland 21204, United States
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At Grigg Financial, our planning services are designed to help you prepare for what’s next—with confidence. Whether you're mapping out your retirement income or exploring how your investment property can work harder for you, we provide clear, practical guidance built around your goals.
We work primarily with retirees and pre-retirees, and we understand the unique challenges that come with transitioning into retirement, preserving wealth, and planning for legacy. Our approach is independent, customized, and focused on creating a living plan that evolves with your life.
Retirement isn't a single event—it's a long-term strategy. We work with you to:
We ask the big question: Do your resources support the life you want to live? If not, we’ll help you make a plan that does.
We believe a financial plan should work as hard as you do. That’s why we revisit it regularly, adjusting for life’s changes and market shifts to ensure it always reflects where you are and where you’re going. Here’s how our planning process works:
Once we understand your needs and resources, we help you build a strategy to make it all work together. That might include restructuring how accounts are used, adjusting your investment mix, or exploring options like a Delaware Statutory Trust (DST) to manage real estate.
We help you evaluate how your real estate investments fit into your long-term financial picture. Our goal is to turn complexity into clarity—especially if you're looking to reduce hands-on property management or transition assets to the next generation.
We provide guidance around:
Whether you're actively managing properties or planning for future estate distribution, we’ll help you make smart, forward-looking decisions.
Yes. A retirement plan goes beyond having investment accounts. We help you build a full-picture strategy that considers your income needs, taxes, risk exposure, healthcare costs, and how your assets will support you over time. The goal isn’t just to save—it’s to know how and when to use what you’ve saved.
Absolutely. One of the first things we do is walk through your goals and resources to answer the question: Can I afford to retire? Using conservative assumptions, we help you determine whether your current assets will support the retirement lifestyle you want—and what changes may be needed to stay on track.
Many of our clients are transitioning away from active property management. We provide strategies for turning real estate into a more passive, income-generating asset through tools like 1031 exchanges and Delaware Statutory Trusts (DSTs). These options can reduce hands-on responsibilities while preserving income and tax advantages.
We believe in “living plans,” not documents that sit in a drawer. We revisit your plan regularly—at least annually or whenever there’s a major life or financial change. Ongoing updates help keep your strategy relevant and effective.
There’s no one-size-fits-all answer here—it truly depends on your goals, income needs, health, and broader financial picture.
Objectively, you can begin receiving benefits as early as age 62, but that comes with a reduced monthly amount. Waiting until your Full Retirement Age (FRA)—typically between 66 and 67—will get you 100% of your earned benefit. If you wait until age 70, you can receive up to 32% more through delayed retirement credits.
Subjectively, the right time to file comes down to what matters most to you:
At Grigg Financial, we help you run the numbers in the context of your full retirement plan, not just Social Security in a vacuum. The decision should support the rest of your income strategy—and we’re here to help you make it with clarity.
That depends on your overall retirement plan, the investment options in your current 401(k), and how you want to access your funds going forward.
Objectively, you generally have four options when retiring:
Subjectively, a rollover often provides more flexibility and control over investment options, withdrawal strategies, and fees. That said, some employer plans offer excellent investment choices and low costs, so the decision isn't automatic.
We’ll help you weigh:
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The Exchange Building
1122 Kenilworth Drive
Suite 115
Towson, MD 21204
Phone: 410-231-7040
Email: brian@griggfinancial.com