Your Retirement
Deserves the
Full Picture.
I spent 15 years at Fidelity, Merrill Lynch, and Prudential watching people get half the story. I left to fix that. Free tools, real education, and personalized analysis — no sales pitch until I've earned it.
client reviews
$500K over 20 years
What Matters Most To You?
Every retirement is different. Tell me what you are focused on and I will show you exactly what I do about it — and the tools to run your own numbers.
Guaranteed Income You Can Never Outlive.
The biggest fear in retirement is outliving your money. A lifetime income strategy converts a portion of your savings into a guaranteed monthly income stream — for as long as you live, no matter what the market does.
Grow Your Savings. Protect Your Principal.
The market drops every 5 to 6 years. When you are retired and withdrawing income, those drops are devastating. An index accumulation strategy lets you participate in market gains with a floor that protects your principal in down years.
A Guaranteed Rate. Zero Market Exposure.
A Multi-Year Guaranteed Annuity locks in a fixed interest rate for a set period — typically 3 to 10 years. No market risk. No surprises. A guaranteed rate that is almost always higher than CDs or Treasury bonds for the same term.
Professional Retirement
Advice From Anywhere.
You do not need to drive to an office to get the best retirement advice in the country. Anna meets with clients nationwide via secure video — same preparation, same depth, same results. Full concierge service from your living room.
Secure Video Consultations
Full discovery and proposal meetings via Zoom. Screen sharing, real-time analysis, and personalized proposals — all without leaving home.
Complete Paperless Process
From intake form to signed documents — everything handled digitally. No faxing. No printing. No office visits required.
Serving Clients Nationwide
Licensed across multiple states. Whether you are in Colorado, Texas, Florida, or Massachusetts — Anna can work with you directly.
Carl Manages Your Schedule
Our client relations manager Carl handles all scheduling, rescheduling, and follow-up coordination so nothing falls through the cracks.
Book directly online, text Anna, or send a text and Carl will coordinate everything for you. All meetings are conducted via Zoom.
I Left the Big Firms
to Fix One Thing.
I spent 15 years inside three of the biggest financial firms in the country — Fidelity, Merrill Lynch, and Prudential. I sat in the meetings. I saw how the products were designed. I understood the business model intimately.
And what I kept noticing was the same gap everywhere. The entire industry is built around accumulation — growing your portfolio while you're working. Nobody talked about what actually happens the day you retire and start taking money out. Nobody explained Sequence of Returns Risk. Nobody showed people what 1% in annual fees costs over 20 years.
I left to fix that. Retire Already exists because people who have done everything right deserve to know the full picture before anyone recommends anything to them.
The People Behind Your Plan.
Retire Already is a boutique practice — small by design, exceptional by standard. Every client is known by name.
Anna Berezowska
15+ years across Fidelity, Merrill Lynch, and Prudential. Independent since founding Best Fixed Annuities. Partner, Tarkenton Financial. Operates under the Best Interest Standard with zero client complaints across her entire career. Serves clients nationwide via Telewealth from Englewood, Colorado.
Carl
Carl serves as the operational backbone of Retire Already. He oversees the full client experience — from first contact through onboarding and ongoing service. Carl manages all scheduling, coordinates Telewealth appointments, and ensures that every client interaction is met with the same standard of professionalism Anna brings to every strategy session.
Fran Tarkenton
Sought Me Out.
NFL Hall of Famer and entrepreneur Fran Tarkenton reached out to partner because we share the same philosophy: people deserve the full truth about their retirement — not a product pitch. Not a sales process. The full truth.
He approached me
Fran sought this partnership because our values and strategies are completely aligned. Same commitment. Same philosophy. Same client-first standard.
Expanded resources for clients
The partnership brings institutional backing, expanded product access, and deeper resources to every Retire Already client relationship.
Personal welcome from Fran
Fran is so confident in our solutions that he personally welcomes every new client into the Tarkenton Financial family.
Fran Tarkenton built Tarkenton Financial on one principle: give people the full picture about their retirement. Not just what is convenient to sell. When he saw what Anna does at Retire Already, he said this is exactly what people need.
— Anna Berezowska
Simple. Transparent. No Surprises.
From first contact to full plan in place — here is exactly how it works.
Ready to See the
Full Picture?
Anna responds personally. Carl handles scheduling.
Serving clients nationwide from Englewood, Colorado.
What Is Your Sequence of Returns Risk?
Enter your numbers below and see exactly how market timing could affect your specific retirement — and what the gap looks like between good timing and bad timing.
Your Personalized Risk Analysis
Want to See How to Close This Gap?
There are strategies designed specifically to protect your retirement from sequence of returns risk — and right now with the market down, the timing to implement one has never been better.
Book a Call with AnnaWill You Capture the
Market Recovery?
The NASDAQ is down — and every point it climbs back is interest you either locked in or missed forever. Run your numbers to see exactly what this dip is worth to you.
| Year | Index Gain | You Capture (Now) | You Capture (Wait) |
Ready to See Your Full Analysis?
I'll run your specific numbers using actual current products and rates — and show you how to position for this recovery without putting your savings at risk.
Book a Call with AnnaRetirement Tax & Income
Intelligence Calculator
Fill in your details and click Calculate Full Picture to generate a complete analysis — Year 1 tax exposure, RMD schedule, IRMAA tiers, Roth conversion windows, FIA fee savings, sequence of returns risk, and legacy planning.
Want to Implement This Strategy?
Anna Berezowska · Retirement Income Specialist · 15+ Years · Englewood, CO
Book a Call with Anna