Founder, President & Financial Advisor
Krisstin Petersmarck, RICP
Krisstin is the Founder, President, and lead advisor at New Horizon Retirement Solutions. She translates the complexity of retirement income planning, tax code, Social Security, and Medicare into plain, actionable advice.
- Retirement Income Certified Professional (RICP)
- IRMAA Certified Planner
- National Social Security Advisor (NSSA)
- Investment Advisor Representative (fiduciary)
About Krisstin
Krisstin educates her clients rather than just directing them, so retirees make confident and informed decisions. The decision to work together is meant to be the logical conclusion of understanding the real risks of retirement, never the result of a sales pitch.
She is a Retirement Income Certified Professional, and she is both a Certified National Social Security Advisor and an IRMAA Certified Planner, each a FINRA-recognized certification. As a fiduciary, she is held to act in your best interest.
Krisstin writes and speaks on retirement income, Social Security timing, and the Michigan tax rules that change the math for retirees here. She also presents the firm's community workshops across Oakland County.
Essays by Krisstin
All essays →What a Roth Conversion Costs Michigan Retirees Without a Structured Plan
A Roth conversion can cost more than you expect. Roth conversion Michigan tax planning takes more than a good idea from your accountant.
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The $1,000 a Month Rule for Retirees Answers the Wrong Question
The $1,000 a month rule for retirees tells you what to save. It says nothing about whether that money lasts through a bad market early in retirement.
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When to Take Social Security in Michigan Is a Calculation, Not a Birthday
Michigan doesn't tax Social Security, but when to take Social Security in Michigan still decides thousands. It is a calculation, not a birthday.
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How Much Money You Need to Retire in Michigan Depends on Your Plan, Not a Magic Number
Worried you have not saved enough? How much money you need to retire in Michigan depends far less on a magic number than on how your income is built.
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Michigan Does Not Tax Social Security, But Uncle Sam Still Does
Michigan does not tax Social Security, but federal taxes and Medicare surcharges still threaten your benefits. Here is what every Michigan retiree needs to know.
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Can a Financial Advisor Help With Retirement Planning? It Depends on the Right Kind
Your advisor helped you build wealth. But can they help you keep it? A retirement income specialist explains the gap that costs retirees dearly.
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Talk through your retirement with Krisstin.
Book a Discovery Session. We listen first, then show you where the avoidable risks are.