Unlock Your Code 2 Retirement™
We help people coordinate the five critical levers of retirement
- growth, income, safety, tax planning, and cash.
Your retirement is built on five locks - not one
Growth
Capture market potential safely
Income
Build a paycheck you can't outlive
Safety
Protect what you've spent years building
Tax Planning
Minimize your lifetime tax burden
Cash
Maintain liquidity for short-term needs.
A proprietary framework built for today's retirees and pre-retirees.
At EFC Wealth Management, we believe that investing alone is not a retirement plan. That's why we built Code 2 Retirement™ - a proprietary framework that coordinates five key areas of your financial life to help protect the retirement lifestyle you've spent a lifetime building.
Build Wealth Today. Prepare for Tomorrow.
The Wealth Builder Programme is for people who are still growing their wealth and want to start preparing for retirement with a clear strategy.
The Programme helps you build consistent investing habits and adjust your contributions over time as your income, priorities, and life circumstances change.
A personalized financial plan can help you see how different contribution approaches may support your long-term goals. Your investment strategy is shaped around what matters to you, including your goals, timeline, and comfort with risk.
Who We Serve
Explore the Code 2 Retirement™ Framework
Book a Complimentary Conversation
Learn, Explore, and Get Inspired
We Serve The People Who Serve People
Nurses & Doctor
Navigating pension gaps, shift differentials, and benefits coordination for healthcare professionals.
Firefighters
Maximizing DROP plans, pension benefits, and supplemental savings for those who run toward danger.
Law Enforcement
Retirement strategies built around early retirement eligibility, pension optimization, and second-career planning.
Federal Employees
FERS, TSP, and CSRS optimization to make the most of your federal benefits package.
Engineers
Comprehensive retirement planning for individuals and families approaching or in retirement.
Teachers
Blending military pension, VA benefits, and civilian retirement accounts into one cohesive plan.
What Our Clients Experienced
Upcoming Events
LAAFE at Redono Beach Library
If you are near or in retirement, this course will equip you with tools to implement in your retirement planning!
Register NowLAAFE at Marina Del Rey Library
If you are near or in retirement, this course will equip you with tools to implement in your retirement planning!
Register NowLAAFE Santa Monica Pico Branch Library
If you are nearing retirement or have already reached that stage, this course offers practical approaches to help you confidently
Register Now