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Sirius XM Family Talk 131 · Sat 1pm PT

Retirement Freedom Radio

SC Financial Group · Bellevue, WA

Comprehensive financial services with proactive follow-through.

Independent financial planning and investment management serving clients nationwide. Listeners hear Retirement Freedom on Sirius XM nationwide.

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Meet the Team

Experienced, independent advisors focused on comprehensive financial planning and investment management.

All advisors are LPL Financial registered representatives. Some are also Investment Adviser Representatives through LPL Financial.

Shane Cloninger

Sirius XM Host

Shane Cloninger

LPL Registered Principal

LPL Registered Principal at SC Financial Group and host of Retirement Freedom Radio. Decades of experience helping pre-retirees make decisions on Social Security, pensions, and retirement income.

Sirius XM Host · Ch. 131

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Alex Carter

Alex Carter

Financial Advisor, CFP®

CFP® working with growing families and high-earning professionals to coordinate the moving parts of their financial life across investments, tax efficiency, retirement, and estate planning.

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Rumesh Senanayake

Rumesh Senanayake

Financial Advisor

Bringing clarity to cash flow, equity compensation & tax planning.

Robert Davis

Sirius XM Cohost

Robert Davis

LPL Financial Advisor

Navy veteran and corporate IT leader turned advisor. Works with business owners, veterans, and families focused on stewardship and structured planning.

Sirius XM Cohost · Ch. 131

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Find Your Stage

Where are you in your financial life?

Building the Foundation

Ages 25-35

Early Career

1

Building the Foundation

Start smart -- employer match, emergency fund, first investments. The earlier you begin, the more time works in your favor.

401(k) matching Emergency fund Roth IRA basics Student loan strategy

Explore Compound Growth Visualizer

Growing & Protecting

Ages 35-45

Family Years

2

Growing & Protecting

Life gets fuller -- kids, a home, bigger goals. This is where insurance, education planning, and disciplined saving really matter.

529 education plans Life insurance Home purchasing Tax optimization

Explore Education Savings Planner

Maximizing Wealth

Ages 45-55

Peak Earning Years

3

Maximizing Wealth

Your highest income years. Max out contributions, manage equity comp, and make catch-up contributions count.

Catch-up contributions RSU/stock options Mega backdoor Roth Tax-loss harvesting

Explore Tax-Smart Savings Analyzer

Transition Planning

Ages 55-65

Pre-Retirement

4

Transition Planning

The critical decade. Social Security timing, pension decisions, healthcare bridge strategies -- every choice shapes your retirement.

Social Security optimization Pension analysis Healthcare bridge Roth conversions

Explore Social Security Optimizer

Living Your Freedom

Ages 65-75

Early Retirement

5

Living Your Freedom

You've earned this. Now it's about making your income last -- smart withdrawals, Medicare decisions, and RMD planning.

Portfolio withdrawals Medicare enrollment RMD strategies Tax bracket management

Explore Retirement Income Planner

Your Legacy

Ages 75+

Estate & Legacy

6

Your Legacy

Pass on more than money -- pass on values. Estate planning, charitable giving, and wealth transfer done right.

Estate planning Wealth transfer Charitable giving Trust strategies

Explore Legacy Impact Calculator

Ready to take the next step?

A complimentary discovery call is one way to start. No pressure, no obligation -- just a conversation about your goals.

Schedule a Discovery Call (425) 451-2950