Retirement Planning Services in Detroit, MI

Straight Talk CPAs doesn’t believe in cookie-cutter plans. We believe in retirement strategies as unique as a Detroit mural—colorful, meaningful, and built with intention.


We take time to understand your goals, your concerns, and yes, even those half-finished retirement accounts gathering dust. Whether you’re an auto industry veteran, a local entrepreneur, or a public school teacher thinking about that next phase, we’re here to help you make it happen.

Personalized Retirement Planning for Detroiters

Our retirement planning solutions use AI-powered forecasts, real-time dashboards, and secure online document storage—all accessible from your phone or laptop.


But don’t worry—we haven’t gone full robot. Behind the tech is a real human ready to answer your questions, walk you through the process, and make planning for retirement feel as chill as a stroll down the Riverwalk.

Tech-Powered Tools, Old-School Service

Retirement planning can feel like trying to read a blueprint without your glasses. That’s where we come in.



Our advisors explain everything in plain English (not financial spaghetti). You’ll walk away feeling informed and empowered—not more confused than when you started. Just straight talk about your future, delivered with that Detroit down-to-earth attitude.

Guidance You Can Actually Understand

Why Professional Retirement Planning Matters

DIY is fine for a garden or a garage project—not for your financial future. Retirement planning has a lot of moving parts: taxes, inflation, income streams, investment strategies, healthcare costs—you name it.



We’ve helped countless Detroiters avoid mistakes that could’ve cost them thousands. Our team will help you:

  • Maximize tax-deferred savings
  • Choose the right retirement accounts (Roth vs. traditional? We’ve got answers)
  • Forecast income needs and cash flow
  • Protect your legacy with smart estate and insurance planning

Case Study: From “Maybe One Day” to “Let’s Do This”

Meet Alvin, a 52-year-old electrician in Detroit who always said he’d “get around” to planning for retirement. He had a 401(k), a side business, and a pension—but no real strategy. Every year tax season rolled around, and every year he felt further behind.


We met Alvin through a referral and scheduled a virtual meeting after one of his late shifts. He told us he wasn’t looking for magic—just clarity. He wanted to retire by 65 without relying on “luck or lotto tickets.”


Here’s what we did:

  • Consolidated and optimized his retirement accounts
  • Helped him set up a solo 401(k) for his side hustle, maximizing his contributions
  • Structured his income to take advantage of key Michigan tax breaks
  • Set up a simple monthly retirement forecast he could actually understand
  • Talked through how and when to start drawing Social Security

Now, three years later? Alvin’s ahead of schedule. He’s on track to retire at 63 and is already planning a Route 66 motorcycle trip to celebrate. The best part? He told us,

“It’s not just that I’m saving more—it’s that I finally feel like I’ve got a handle on things.”

Explore Our All Services in Detroit, MI

List of Services

Why Choose Straight Talk CPAs in Detroit?

  • We know the city: From local pension plans to Michigan tax codes, we’ve got the inside scoop.
  • We meet you where you are: In person or virtually—at your pace, on your schedule.
  • We don’t do fluff: Just honest advice, real solutions, and a plan you can feel good about.
  • We look at the whole picture: Retirement, taxes, investments, insurance—it’s all connected.
  • We make it easy to understand: We’ll even use real-life metaphors (hey, it works).

FAQs

  • When should I start planning for retirement?

    Yesterday—but today works too! Whether you're 30 or 60, it’s never too early or too late to get started.

  • I own a business. Can you still help?

    Absolutely. Business owners often have special retirement options like SEP IRAs or solo 401(k)s. We’ll help you find the right path.

  • What if I don’t know what I want in retirement yet?

    That’s okay. We’ll help you figure it out. Retirement planning isn’t just about money—it’s about your lifestyle, your legacy, and your peace of mind.

  • How often should I update my retirement plan?

    We recommend at least once a year, or anytime there’s a big life change—like marriage, a new job, or starting a business.

  • Can I meet with you virtually?

    Definitely. We serve clients across Detroit and beyond with secure virtual meetings—schedule from your home, your office, or even Belle Isle.