About
Michael P. Kelly Financial Solutions
Michael P. Kelly Financial Solutions is a comprehensive financial services firm that assists Washington’s soon to be retired and retired residents in the preparation for life’s next chapter.
We understand that retirees face many important decisions that can affect their long-term financial outlook. Some of these decisions revolve around making investments designed to help address concerns such as outliving income, the impact of inflation, taxation, and rising healthcare costs. As the majority of our clients are retirees with similar concerns, we’ve had the opportunity to gain the skills and experience you may find beneficial when planning for your future.
Our focus is on empowering pre-retirees and retirees work toward their retirement goals. We are committed to guiding our clients through the landscape of retirement income planning, protection, and wealth preservation by seeking to manage potential risks. With an emphasis on financial literacy and strategic holistic planning, we strive to assist you in making informed decisions that resonate with your goals.
Michael P. Kelly Financial Solutions
Meet The Team
Michael P. Kelly, CLU, ChFC
Investment Advisor Representative
You have worked hard, saved carefully, and built a life you are proud of. Now the question is: how do you protect it? For many years, Michael P. Kelly has been answering that question for people just like you—especially women navigating major financial transitions who want to pursue financial confidence and clarity regarding their future.
Based in Lynden, Washington, in the heart of the Pacific Northwest, Michael understands that the financial decisions you face in your 50s, 60s, and beyond are among the most important of your life. He has been a trusted constant in his clients’ lives for nearly four decades, building his practice on three core principles:
- SEEN: Your unique situation, goals, and concerns are the focus—not just your account balance.
- HEARD: Your questions deserve real answers. Michael listens first.
- RESPECTED: Your time, your trust, and your life’s work are treated with professional care.
A graduate of Tidewater Community College, Old Dominion University, and The American College of Financial Services, Michael holds two widely recognized respected designations in financial services—the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC). These credentials reflect decades of specialized study in financial planning, retirement income strategies, and insurance solutions intended to help you pursue financial clarity and confidence.
Michael specializes in helping individuals and families with investible assets create a strategy for the years ahead. A cornerstone of his approach is using financial tools that offer the potential for guaranteed lifetime income and long-term care riders, which are designed to help provide resources for as long as you live no matter how long you live, you will have the income and resources you need. Whether you are concerned about outliving your savings, reduced Social Security benefits, the potential cost of in-home care, or market volatility, Michael strives to build a plan intended to be as resilient as the life you have built.
As a husband, father of six, and grandfather of ten, Michael knows firsthand the importance of protecting the people and the future you love most. He brings that same warmth, care, and deep sense of personal responsibility to every client relationship. When you sit down with Michael, you are not just meeting a financial advisor—you are meeting someone who genuinely cares about your well-being and the legacy you leave behind.
If you are ready to have an honest, unhurried conversation about your financial future, Michael would be honored to meet with you. There is no obligation and no pressure—just a warm, straightforward conversation about what matters most to you. Reach out today to schedule your complimentary consultation.
Learn More About
Our Financial Solutions
Wealth Management
Our goal is to develop strategies designed to provide income for the long term. We help build tailored, sustainable income plans for our clients that take all factors into account. Retirement is a significant milestone, and our process focuses on helping you manage your assets so you can focus more on your passions and the people you love.
Income Planning
Through our retirement planning process, we will review your current income situation and analyze potential income in retirement. We work with you to develop a strategy designed to provide sustainable income throughout your lifetime. We’ll help you evaluate your Social Security options and seek to increase the benefits for your situation.
If you have a pension, we will guide you through the options available and help you make an informed decision. Our process also addresses other considerations, such as potential impacts from inflation, taxation, or the loss of a spouse.
Retirement Strategy Planning
Retirement savings strategies involve a comprehensive approach that balances consistent saving during your working years with potential tax-advantaged withdrawal strategies in retirement.
Key steps include fully utilizing tax-advantaged accounts, diversifying investments to help manage risk, and strategically evaluating the timing of Social Security benefits.
Inflation Protection
Develop robust, forward-thinking strategies to proactively protect your hard-earned assets and maintain long-term purchasing power. By identifying the right financial vehicles, you can create a dedicated buffer against the eroding effects of inflation, ensuring your wealth and legacy remain fully intact for the next generation regardless of economic shifts.
Social Security Benefit Planning
Social Security timing strategies involve strategically evaluating when to claim benefits and coordinating with other income sources to help increase your potential lifetime payments.
The decision of when to claim Social Security is complex and can significantly impact your retirement income. We provide a comprehensive analysis to help you understand how different timing choices may affect your long-term financial health.
Tax-Efficient Planning
Benjamin Franklin said, “In this world nothing can be said to be certain, except death and taxes.” We can’t control the first, but we can help you potentially reduce the second.
Our clients enjoy a comprehensive review of their tax return, tax projections combined with proactive planning, tax reduction strategies, etc.
Register For
Our Educational Events
UPCOMING EVENTS
Events in July 2026
- There are no events scheduled during these dates.
Download Our Guides
Important Birthdays Over 50
What To Know And How To Prepare
Happy Birthday! The big “Five-O.” Now the real fun begins! Before you begin planning your retirement, be sure to mark these important dates in your calendar. Starting at age 50, several birthdays— including “half-birthdays”—are critical to plan for, as they have crucial implications for your retirement future.
The Social Security Guide
Optimizing Social Security In Today’s World
The timing of your Social Security claim is a complex decision that can impact your total retirement income. This guide explores how proactive strategies can help you seek to increase potential income and provide greater clarity regarding your financial future. Make sure you get what you’ve earned!
Our Media
Browse Our Blog
Tax-Efficient Strategies for Summer Adventures and Beyond
For many retirees, the idea of retirement is synonymous with freedom. You can exercise that freedom by choosing to spend [...]
Are Annuity Misconceptions Hurting Your Retirement?
When you think about retirement income, Social Security might be the first thing that comes to mind. But many pre-retirees [...]
Annuity Awareness Month: Helping Bridge the Social Security Gap
June is typically recognized for the start of summer, which means graduation ceremonies, homebuying season, and wedding season. But for [...]
What’s a Risk Score?
Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.
It’s important that investors understand their risk tolerance so that they can help guide the design of their investment strategy. This approach looks to balance the investor’s desire for returns goals with their ability to stay confident and invested throughout market cycles.
To help investors understand their risk threshold we deploy a proprietary algorithm rooted in the well-known Value at Risk (VaR) measurement that helps us quantify their sentiment toward financial uncertainty, specifically their emotional tolerance with respect to the magnitude and speed of potential investment loss. This Analysis provides them with a VaR Score that can help determine if their existing portfolio aligns with their risk tolerance.
Intelligent, Disciplined Investing
with AssetLock®
AssetLock® is Simplicity Wealth’s proprietary, investment portfolio monitoring service that delivers personalized communications to advisors and investors in a secure environment.
This technology keeps investors informed about the progression of their portfolio in accordance with their risk tolerance determined by the investor’s household portfolio VaR Score.
Contact Us
Our professional experience and specialization can help you develop a personalized strategy for retirement. We strive to help you identify income strategies intended to last for the rest of your life, seek to manage potential risks, and pursue a legacy for your loved ones. If you would like to schedule a complimentary, no-obligation consultation or second opinion review, please contact us today.
Office Location:
1506 Bowfin Ct, Lynden, WA 98264
Our Email:
info@michaelkellyfinancial.com
Our Phone:
