Retire With Confidence

 At 100Retire, we help individuals in their 40s, 50s, and 60s build, protect, and enjoy the retirement they’ve worked hard for. Led by Joel Marius, RICP®, Founder & President of Fortunium Wealth Management, our mission is to bring clarity and confidence to every stage of your financial life—using proven, research-backed strategies rooted in the Retirement Income Certified Professional (RICP®) framework.

Who We Work With & Why Choose Us:

At 100Retire, we specialize in helping individuals and couples who have $500,000 or more in retirement savings and want a clear, coordinated plan for income, taxes, and healthcare as they transition into or live through retirement. Our clients are professionals, business owners, and retirees who value structure, strategy, and confidence in how their assets will sustain their lifestyle for decades to come. We focus on retirement income planning, Social Security timing strategies, tax-efficient withdrawals, Medicare and long-term care planning, and legacy and charitable giving strategies.

Working with a Retirement Income Certified Professional (RICP®) means every recommendation follows a disciplined process based on proven academic research, not guesswork. Our approach integrates investment management, income sequencing, and tax coordination to help you reduce risks like market volatility, longevity, and healthcare costs. Whether you are five years from retirement or already retired, we design strategies to align your income, investments, and taxes into one cohesive plan.

Clients choose us because they want a retirement income strategist who understands the complexities of distribution planning, not just accumulation. We act as a guide to simplify decisions around RMDs, Roth conversions, IRMAA, and Medicare options, helping you stay informed and in control. At 100Retire, our mission is simple: to help you retire with clarity, purpose, and confidence in every financial decision.

If you are in your 40s and 50s:

For those in their 40s and 50s, this is the wealth accumulation phase—the critical period to align savings, investments, and tax strategies with your long-term goals. Joel helps clients strengthen their financial foundation, balance growth with protection, and begin positioning assets for efficient income later in life.

If you are in your 60s:

As you move into your 60s and beyond, the focus shifts from accumulation to income, preservation, and coordination. Through personalized planning, Joel provides ongoing guidance across the five pillars that shape lasting retirement success:

• Income: Turning savings into predictable, inflation-aware income streams.
   
• Taxes: Structuring withdrawals and conversions to keep more of what you earn.
   
• Healthcare: Preparing for Medicare, long-term care, and rising medical expenses.
   
• Social Security: Timing your benefits strategically to maximize lifetime income and survivor protection.
   
• Legacy: Simplifying estate and beneficiary planning so your wealth transitions smoothly.
   

At 100Retire, we believe retirement isn’t about luck or guesswork—it’s about preparation. Our purpose is to help you retire once, stay retired, and live with confidence knowing every key decision—from Social Security to Medicare to tax-efficient income—has been thoughtfully planned and professionally guided.

The RICP® is the nation’s leading credential for building integrated and comprehensive retirement income plans. A key focus is understanding, choosing, and executing a sustainable retirement income strategy from available resources—whether that means using systematic withdrawals from a portfolio, building a retirement income floor with bonds or annuities, or using a bucket strategy.  

The program, developed by more than 45 of the nation’s top financial retirement advisors, provides RICP® credential holders with best practices in areas including:  

• Social Security claiming 

• Evaluating and addressing risks faced in retirement financial planning 

• Choosing distributions from employer sponsored retirement financial plans 

• Medicare and other health insurance choices 

• Planning for long-term care needs 

• Choosing appropriate housing 

• Retirement income tax and legacy planning  

The American College of Financial Services is the premier educational institution dedicated to the development of financial services professionals. Graduates and designees of The American College of Financial Services have studied, passed rigorous exams, and proven that they not only have the technical knowledge to serve their clients, but have sworn to practice ethically and in the best interest of the people they serve 

Skills/Knowledge:

• Financial Planning
• Retirement Income
• Estate Planning
• Risk Management
• Life Insurance
• Social Security
• Longevity Risks
• Long-Term Care
• Health Insurance
• Home Equity
• Annuity Products
• Pensions
• IRA's
• Income Tax
• Legacy Planning