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Turn Your Savings Into a
Retirement You Actually Understand

We work with families throughout the Pittsburgh area who have spent decades saving and are ready to build a plan around what comes next. Every part of the picture comes together in one place, laid out in clear, everyday language.

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What We DoThe Difference Between
a Portfolio and a Plan

For families approaching retirement, the challenge usually isn't the savings themselves but knowing how to actually live from them. We bring every piece of the picture together in one clear plan and walk you through it in clear, everyday language.

Who We HelpThe Families We
Are Built For

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The details change from family to family, but the questions people arrive with tend to look a lot like these.

01Almost There

  • Have $500,000 dollars or more saved, but aren't sure how to turn it into a reliable monthly income
  • Worried about taxes, the cost of health insurance or Medicare, and the risk of making a costly mistake in the transition to spending
  • Want to understand their retirement plan completely, not simply trust that someone built them something solid
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02Ready to Leave Work Early

  • Wants to retire before 65, but the healthcare gap before Medicare is what's holding the decision back
  • Needs a clear income and withdrawal strategy to know if early retirement is actually viable
  • Looking to confirm the numbers work before walking away from a paycheck
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03One Spouse Wants a Tax Smart Retirement Strategy

  • Wants to understand how withdrawals from different accounts will impact taxes throughout retirement
  • Wonders if there are opportunities to manage tax exposure before and during retirement
  • Seeks to manage tax exposure during retirement to help support overall financial goals.
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How We HelpAcross the Areas That Matter to Your Retirement

Retirement involves a lot of moving parts, and the decisions you make about each one affect all the others. We work across a range of areas that matter so your plan comes together as one complete picture rather than a collection of separate conversations.

Retirement Income Planning

Retirement Income Planning

Retirement Income Planning

Helping you make informed decisions today that may reduce taxes on your retirement income, investments, and legacy over time.

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Tax Planning

Tax Planning

Tax Planning

Helping you time and structure your withdrawals designed to help keep more of your retirement income in your pocket long-term.

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Healthcare & Medicare Planning

Healthcare & Medicare Planning

Healthcare & Medicare Planning

Strategies to help address the gap in coverage before Medicare, and help you choose the right plan that meets your needs in terms of benefits and cost

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*Neither MML Investors Services, LLC nor any of its subsidiaries, employees or representatives are authorized to give legal or tax advice. Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters.

Investment Guidance

Investment Guidance

Investment Guidance

Aligning how your accounts are positioned with when you'll need them and what income they need to produce.

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Protection Planning

Protection Planning

Protection Planning

Preparing for the scenarios that rarely get addressed until it's too late, from coverage gaps to special needs planning.

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Our ProcessWhat Working With
Us Looks Like

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Every stage of the process serves the same goal, leaving you with a clearer picture of your situation and a plan you can feel genuinely confident about.

I - Start with a Conversation

A relaxed, no-pressure first meeting to understand where you are and whether we're a good fit.

II - Get the Full Picture

We take a deeper look at your savings, income needs, taxes, healthcare, and retirement goals.

III - Build Your Plan

We build a clear retirement plan in plain English and walk you through every option and tradeoff.

IV - Put It Into Action

Once you're comfortable with the plan, we help you implement it step by step, without overwhelm.

V - Stay in Your Corner

We stay alongside you with regular check-ins and guidance as your life and goals evolve.

*Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial planning fee.

Who We AreOur Story

We started Gratton & Kerr Financial Group because we believe financial planning should feel different.

 We feel that too often, people are sold products, overwhelmed by complexity, or made to feel afraid of making the wrong decision. Our experience taught us that the best financial advice starts by understanding the people behind the numbers.

 Since 2011, we've helped individuals and families approaching retirement create plans that bring clarity to their finances and confidence to their future. Everything we do is guided by a simple principle: people matter more than products, and great planning begins with listening.

Insights to Help You Stay InformedEducational Resources for Your Financial Life

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Stop Wasting Money

Stop Wasting Money

One way to find money is to examine your current spending habits and eliminate money wasters.
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Caring for Aging Parents

Caring for Aging Parents

As our nation ages, many Americans are turning their attention to caring for aging parents.
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IRA Income

IRA Income

Estimate the potential monthly income your IRA balance could generate in retirement.
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Start the ConversationWe'd Love to
Hear Where You Are

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If you've been quietly wondering whether your retirement plan is solid enough to actually live on, the best first step is a conversation. Reach out to schedule a no-pressure introduction, and we'll talk through where you are, what you're working toward, and whether we're the right fit.

Schedule a Conversation