Getting You To Your Desired Financial Future Is Our Focus

Refined Retirement is an independent financial planning and wealth management firm serving individuals and families in North Carolina and Pennsylvania.

Alignment
Of Interests

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Partnership
Means Service

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Optimal
Solutions

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Holistic
Approach

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Tax
Consideration

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Alignment
Of Interests

More Info

Partnership
Means Service

More Info

Optimal
Solutions

More Info

Holistic
Approach

More Info

Tax
Consideration

More Info

As a 100% independent firm, our interests are aligned with yours.

“We don’t see things as they are, we see them as we are.”  –Anaïs Nin

You might notice that our website provides limited information about specific financial products. That is because our firm focuses on long-term, personalized financial planning, not quick, commission-based transactions. 

Our foundation is centered on listening: Our team takes the time to understand our clients' needs and collaborates to build personalized financial plans through our Refined Retirement Review process. Identifying optimal financial solutions to help clients achieve their desired financial futures is the last piece of the puzzle, never the first.

We aim to work with clients who trust us to manage their financial futures throughout their lives. Finding these clients necessitates that our interests are aligned with yours. We are committed to consistently demonstrating our value, integrity, and trustworthiness year after year.

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Partnership means real service, not lip service.

“Coming together is a beginning, staying together is progress, and working together is success.” –Henry Ford

As fiduciaries, we are committed to acting in your best interest. Steve Mrozek, an Accredited Investment Fiduciary (AIF), leads Refined Retirement. With more than 35 years of experience in the financial services industry, he has navigated various market environments.

We view each of our clients as partners, recognizing them as real people with families, financial concerns, and individualized financial goals. We approach each of their financial situations with respect and care, regardless of its size or complexity.

You can reach out to us anytime. We’re available to you for a review of your financial plan, assist with important financial decisions during life transitions, and to share our perspective about what’s been happening in the financial markets.

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We seek optimal solutions, not just whatever is most available or easiest to implement.

“Simplicity is the ultimate sophistication.” –Leonardo da Vinci

Clients choose Refined Retirement because they want to simplify their financial lives and focus on what’s important to them. We take that responsibility seriously, which is why we continually evaluate our strategic partnerships to ensure we’re offering clients industry-leading solutions that can help them reach their desired financial futures.

Our network of professional partners is robust, with specialists in areas like taxes, life insurance, accounting, retirement, business and succession, and philanthropy. We don't settle for the quickest answer; instead, we work to find optimal solution that provide our clients with greater peace of mind.

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Our approach is holistic, capable of supporting your complete financial life.

“For me context is the key - from that comes the understanding of everything.” –Kenneth Noland

Once clients consolidate their entire financial life under one roof, they often tell us they feel less stressed about managing their financial lives. That’s exactly what we aim to achieve!

Our relationship with you is built upon a thorough understanding of your needs, concerns, and aspirations. Once we capture this holistic view of your goals and what you value most, we’ll collaborate to develop a customized and detailed financial plan.

Our team is committed to providing clarity and support as we guide you through life’s financial events, no matter how simple or complex your situation – from planning for future education costs or retirement to coordinating a business sale or succession plan, as well as preparing for generational wealth transfer, funding philanthropic efforts, or other financial matters.

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We understand that tax considerations are important to you.

“The hardest thing to understand in the world is income tax.” –Albert Einstein

If even the man whose name became a byword for intelligent people had a hard time with the topic of taxes, it’s no wonder so many smart Americans feel overwhelmed by the topic.

We understand the current and future tax implications associated with your income, investments, and financial plan can be confusing. That’s why we take a tax-aware approach to financial planning and wealth advising, considering tax impact in every aspect of our services. Additionally, we can coordinate tax preparation with our tax advisor partners.

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Let's Talk

To discuss how we can help refine your financial future

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