Robert Lindstrom, CFP®, EA

I help diligent savers navigate retirement's biggest financial transition—from decades of accumulation to confident spending.

After working in traditional wealth management, commission-based sales, and fee-only planning, I founded Provision in 2019 to do retirement planning differently. Instead of starting with risk tolerance surveys and generic portfolios, I use institutional Asset Liability Matching methods to engineer income certainty for your essential expenses.

My superpower? Seeing second and third-order effects others miss—like how a Roth conversion affects Medicare surcharges, Social Security taxation, and your multi-year tax picture. This systems thinking lets me coordinate retirement, investments, taxes, insurance, and estate planning into comprehensive protection.

I'm a CFP® and Enrolled Agent specializing exclusively in retirement income planning. When I'm not thinking about taxes and income floors, I'm with my wife Laura and our three boys, or sneaking in rounds of golf (a passion since age 10).