Editorial collaborators

Ridgemont Financial

The team at Ridgemont Financial collaborates with Scottsdale Golf Lifestyle on the financial-planning side of retirement-anchored real-estate decisions — from strategic downsizing math to pre-retirement move sequencing to wealth-planning around club-equity commitments.

The advisory team

Planners who work directly with Scottsdale relocators

Dr. Stepheny Finnie

Annuity Specialist · Ridgemont Financial

Dr. Finnie brings an advanced academic perspective to the real-world challenges retirees face today. She helps clients navigate the financial complexities of retirement with clarity and confidence.

Dr. Finnie contributes editorial commentary to Scottsdale Golf Lifestyle on the retirement-income side of relocation decisions — income-floor planning, annuity sequencing in the early retirement years, and how guaranteed-income decisions interact with housing-equity choices. Look for her byline on upcoming Journal pieces.

Additional Ridgemont Financial collaborators — Jeremy Dreesen and Josue Merced — will be added to this page with bios, headshots, and credentials as their compliance review completes.

Joint editorial

Articles informed by this collaboration

How Older Millennials Are Using Strategic Downsizing to Close the $427K Retirement Gap

Older millennials are reportedly $427,000 behind on retirement. Planned downsizing into a fixed-cost Scottsdale golf community is one of the few six-figure levers still on the table — here is the math, and where the strategy works.

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Planning the Pre-Retirement Move to Scottsdale: A Financial-Planning Walkthrough

The pre-retirement move — the relocation made five to ten years before traditional retirement age — is one of the most consequential financial decisions of the second half of life. Here is the framework our financial collaborators use to model it.

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Equity-Club Initiation as a Wealth-Planning Question: How to Think About the Capital

A Scottsdale equity-club initiation can be a five- or six-figure capital commitment. Here is how to think about it as part of your overall wealth plan, not as a stand-alone purchase decision.

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About the collaboration

Scottsdale Golf Lifestyle is a research-first guide to the Scottsdale luxury golf-real-estate market, owned and operated by 7671 Enterprises LLC. We bring in outside experts on topics where the buyer’s decision requires more than market knowledge alone — tax planning, retirement modeling, estate planning, capital structuring. Ridgemont Financial is our principal collaborator on the financial-planning side of those topics.

Ridgemont does not pay for placement on this site and we do not earn commissions on planning relationships our readers establish with their team. Our role is to surface the financial-planning lens on real-estate decisions and let qualified advisors do the actual planning work with readers who want to engage.

Working through a Scottsdale move?

If your situation overlaps with the topics in the articles above, the right next step is a planning conversation with a qualified CFP® who has done this kind of cross-state, real-estate-anchored work.

Start with the community quiz

Editorial collaboration. Nothing on this page constitutes personalized financial, investment, tax, or legal advice. Consult your own CFP®, CPA, and counsel before making decisions. Detailed Ridgemont Financial regulatory disclosures will appear here once provided by their compliance team.