In Certainty We Thrive™
Rick Kelly, CSA, CAS
Founder & President of Pinnacle Retirement Inc. — 39+ years helping Self-Saved Retirees replace uncertainty with a guaranteed lifetime paycheck they can't outlive.
One Day on Wall Street Shaped a Career of Certainty
Wall Street beginnings
Rick starts his financial services career with a Wall Street firm offering full-spectrum financial planning — learning the industry from the inside.
Black Monday changes everything
Six months in, the market drops more than 22% in a single day. Rick watches hard-working savers lose years of gains overnight — and draws the lesson that has guided him ever since: the money you cannot afford to lose should never be positioned where it can be lost.
From speculation to certainty
Rick reorients his entire practice around safe, conservative retirement strategies — income that arrives no matter what the markets do. Certainty first, growth second.
Pinnacle Retirement Inc.
As founder and President, Rick brings 39+ years of experience to Self-Saved Retirees nationwide — teaching the guaranteed lifetime paycheck strategy through his free book, The LifeTime PayCheck, and free, no-pressure consultations.
Credentials You Can Verify
Every credential below is earned through examination and ongoing education — and independently verifiable.
Nationally recognized credential focused on the financial, health, and social needs of older adults — held to a strict code of professional responsibility.
Advanced certification in annuity structures, guarantees, and lifetime income design — the technical foundation behind the LifeTime PayCheck strategy.
Vetted and listed on America's nationally recognized retirement education platform — independent, education-first, and accountable.
Areas of Expertise
Every engagement runs through one filter: does this create more certainty for you?
Questions About Rick, Answered
Who is Rick Kelly, CSA, CAS?
Rick Kelly is the founder and President of Pinnacle Retirement Inc., based in Fort Collins, Colorado. He is a Certified Senior Advisor (CSA), a Certified Annuity Specialist (CAS), and a SafeMoney Certified™ advisor with more than 39 years in financial services. He is also the author of The LifeTime PayCheck, his free book on creating guaranteed retirement income you can't outlive.
How long has Rick Kelly worked in financial services?
Rick began his financial services career in April 1987 with a Wall Street firm — more than 39 years ago. Six months into his career, Black Monday (October 19, 1987) reshaped his entire philosophy: the money retirees count on should never be exposed to that kind of loss. He has specialized in safe, conservative retirement strategies ever since.
What does Rick Kelly specialize in?
Rick specializes in guaranteed lifetime income, annuity planning, retirement income planning, wealth preservation, Social Security planning, pension planning, and legacy strategies — helping Self-Saved Retirees cover their essential expenses with income designed to last for life.
Is Rick Kelly independent?
Yes. Rick is an independent licensed financial professional. He is not captive to any single insurance company, which means recommendations are drawn from multiple providers and matched to your situation — with education first and no pressure to buy any specific product.
Where is Rick Kelly located, and who does he serve?
Rick is based in Fort Collins, Colorado, and works with Self-Saved Retirees locally and across the United States. Consultations are free, educational, and carry no obligation.
How can I verify Rick Kelly's credentials?
Rick is a vetted, SafeMoney Certified™ advisor listed on safemoney.com, America's nationally recognized retirement education platform. You can view his verified advisor profile at safemoney.com, which confirms his credentials, independence, and areas of expertise.
Start with the free book — then talk with Rick
The LifeTime PayCheck lays out Rick's entire guaranteed-income philosophy in plain language. Read it free, then bring your questions to a no-obligation conversation.