Advisor since 2008
LPL Registered Principal
Advisor since 2008
Shane Cloninger
LPL Registered Principal
“Host of Retirement Freedom Radio on Sirius XM Family Talk Ch. 131”
For over forty years I’ve helped families plan for retirement. Every week on the radio, every day in practice.
Bellevue, WA · LPL Financial
“Retirement isn't the end of something. It's the beginning of freedom.”
— Shane Cloninger
On Air
Retirement Freedom Radio
Every Saturday at 1:00 PM PT on Sirius XM Family Talk Channel 131. Shane and Robert discuss retirement planning, Social Security strategies, and listener questions — live.
Over 14 years and 1000+ episodes of practical retirement education content.
Who I work with.
Pre-retirees (55-65)
Navigating Social Security timing, pension decisions, and healthcare bridge strategies before retirement.
Recent retirees (65-75)
Making income last with smart withdrawal strategies, Medicare decisions, and RMD planning.
Radio listeners
If you've heard Shane on Sirius XM and want the same straight-talk approach applied to your personal situation.
Boeing employees
Pension lump sum vs. annuity analysis, VIP transition planning, and 401(k) optimization.
Interactive Tool
Annuity Health Check
Many annuity owners have not had their contract reviewed in years. This quick assessment helps you understand what you may be paying.
Are You Overpaying in Annuity Fees?
Answer a few quick questions to find out.
The possible savings estimates shown here are illustrative only. They are based on industry-average ranges for variable annuities and riders, using data from Morningstar and other independent sources. Your actual fees depend on your specific contract, share class, rider elections, and subaccount choices. Investing involves risk including loss of principal. Annuity guarantees are based on the claims-paying ability of the issuing insurance company. Withdrawals before age 59½ may be subject to a 10% IRS penalty in addition to ordinary income tax. Surrender charges may apply for early withdrawals. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC.
Interactive Tools
Try Shane's recommended calculators
Contact Shane
Education
BS Economics/Finance, Southern Connecticut State University
With SC Financial
Since 2008
About Shane
Shane Cloninger founded SC Financial Group with a simple mission: to help families navigate the complexities of retirement planning with honest, straightforward conversation.
As host of Retirement Freedom Radio on Sirius XM Family Talk Channel 131 for over 14 years, Shane has built a reputation for making complex financial topics accessible. His listeners tune in because he tells it straight -- no jargon, just practical education they can think through.
His approach is grounded in education first. Before discussing any strategy, Shane ensures his clients understand the full picture -- the risks, the opportunities, and the trade-offs. That's what decades of experience and the families he has worked with have taught him is durable.
Areas of Expertise
Common Questions
Frequently asked about working with Shane
I’ve spent 14+ years on the radio every Saturday teaching the public about retirement. I believe you should understand every recommendation before acting on it. No jargon, no pressure — just honest guidance backed by four decades in this business.
Ideally five to ten years before your target date. But it’s never too late — or too early. I’ve worked with clients at every stage, from 35-year-olds just starting to 72-year-olds optimizing what they already have.
Yes. Boeing pension optimization is one of my specialties. I’ll analyze lump-sum vs. annuity options, survivor benefits, and how the decision coordinates with your other income sources.
Thirty minutes, no obligation. I listen to your situation, ask about your goals, and give you my honest read on whether working together makes sense. Most people leave with at least one actionable insight either way.
Ready to work with Shane?
Schedule a complimentary discovery call to discuss your goals and see if I'm the right fit.
Schedule with ShaneCheck the background of this investment professional on FINRA BrokerCheck.
Our advisors are LPL Financial registered representatives and may also act as Investment Adviser Representatives through LPL Financial. Recommendations made in a brokerage capacity are subject to Regulation Best Interest; recommendations made in an advisory capacity are subject to the Investment Advisers Act fiduciary standard. The capacity in which a recommendation is made will be disclosed at the time of the recommendation.