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Your Secure Retirement Starts Here

At Your Secure Retirement, we specialize in helping women and families move into retirement with the support of a compassionate guide and a plan that truly fits. Led by women’s retirement planning specialist Carol Ochoa, our big-picture, relationship-driven approach to managing wealth is designed to help you make wise decisions that center the future you want.

If you’re like many of our clients, you’ve spent years putting others first. Carol understands that deeply, because she’s been there herself. With decades of experience guiding women through life’s financial turning points, she’s created a space where you can finally focus on your own needs and future, without guilt or second-guessing. When you're ready to take that step, we’re here with steady guidance and support you can count on.

Explore Our Solutions

Our Holistic Retirement Planning Solutions

More Than Savings, It’s About Your Story

The “secure” in our name drives our mission, because everyone deserves a retirement without fear and unsteadiness. That’s why we use a holistic approach for true retirement lifestyle planning, integrating all five pillars of holistic wealth management to help you live the life you want today while building the future you want tomorrow.

 Financial Planning

Your lifestyle goals, income needs, and aspirations form the heart of your retirement income planning strategy.

Asset Management

Built to withstand the whims of the market, our investment approach is tailored to your risk comfort, retirement timeline, and future goals.

Tax Management

We optimize your taxes year-round to help reduce the impact of taxes in retirement, so you can keep more of what you’ve earned.

 Legacy Planning

Thoughtful planning to protect what matters and pass it on with purpose.

Protection Planning

Your lifestyle goals, income needs, and aspirations form the heart of your retirement income planning strategy.

Our Proven Process

Providing a Clear Picture for Every Season of Life

The Bucket Plan<span><sup>&#174;</sup></span>

The Bucket Plan®

For too long, finances have been overcomplicated by jargon and professionals talking “at” you instead of with you. We wanted to change that, which is why we use The Bucket Plan®. This simplified, time-tested strategy organizes your money into three buckets—Now, Soon, and Later—which helps give you the clarity to live confidently without second-guessing every decision.

A Powerful Partnership, Built for You

A Powerful Partnership, Built for You

We’re proud to partner with Prosperity Capital Advisors, an SEC-registered investment advisor (RIA), to bring you the best of both worlds—personalized, heart-led service backed by institutional strength.

This relationship gives us access to some of the world’s leading asset managers, a nationwide network of professionals, and powerful planning technology. It means we can stay boutique and deeply personal, while offering services that go the distance.

You&#8217;ve Come to the Right Place

You’ve Come to the Right Place

Our clients trust us because we take the time to understand the full picture—your values, your goals, and the life you’re building. No matter where you are in your retirement journey—whether you’re facing a major life transition, seeking Medicare and Social Security help, planning for sustainable income, or interested in building your legacy—we’re here to support you every step of the way.