I help retirees protect assets, reduce risk, and create lifelong income streams.

My Services

I'm Campbell Cobb. As a Retirement Income Planner with a background in federal government contracting and financial analysis, I help retirees and pre-retirees protect their assets, reduce risk, and create steady income streams that support the lifestyle they’ve earned.

You’ve spent decades building a career, saving diligently, and supporting your family. Now it’s time to make those years of hard work pay off — by turning your savings into a dependable income for life.

Whether you’re within five years of retirement or already retired, I provide clear, personalized guidance to help you navigate the complex decisions that come with turning your savings into lasting income.

Why Work with Me

As the Chief Operating Officer (COO) of NoteTerra Capital, a Northern Virginia–based investment firm, I specialize in helping retirees and professionals—especially those with federal employee or federal contracting backgrounds—turn their savings into guaranteed, predictable income for life.

I bring over 20 years of professional experience in both the public and private sectors. Before focusing on retirement income planning, I spent years working in federal contracting as budget analyst, where precision, compliance, and strategic financial planning were essential.

That same analytical mindset now drives my work helping individuals and couples make smart, secure decisions about their retirement assets.

Retirement Income Planning in 3 Steps

Discover

Define where you are now and what you want your retirement to look like.

Design

Create a structured, tax-aware income plan that supports your lifestyle.

Deliver

Turn your plan into action — and keep it on track for the long run.

How I Can Help

I work with retirees who want to simplify their finances, protect their savings, and ensure predictable income through every stage of retirement. I help my clients: convert 401(k)s, IRAs, and savings into guaranteed income, coordinate Social Security and other income sources, and strategize federal employee retirement planning.

My approach is educational, not sales-driven. Every conversation is focused on helping you understand your options clearly and make informed decisions that fit your goals, comfort level, and financial priorities.

Start Your Income Planning

Retirement Planning Statistics

80%

Percentage of households with older adults are either currently financially struggling or at risk of economic insecurity in retirement

$100,000

Around 20% of U.S. households aged 55-60 have less than $100,000 in total wealth and no defined benefit pension plan.

Only 7%

Of retirees have the “ideal” income setup of Social Security + a pension + savings/401(k).

Retirement Income Planning FAQ

Q: What is retirement income planning, and why does it matter?

A: Retirement income planning is about creating dependable, predictable income from the savings you’ve worked hard to build. It’s not just about growing your money — it’s about protecting it and making sure it lasts.

Planning for retirement with a pension? I design personalized plans that turn your 401(k)s, IRAs, and other savings into steady income streams you can count on for life, without worrying about market losses.

Q: How is retirement income planning different from financial advising or planning?

A: Most financial advisors focus on accumulation — growing your money during your working years. My focus is on distribution — helping you safely convert that money into income after you retire. I use strategies that emphasize stability and protection, so you can enjoy retirement without the stress of market volatility or guesswork.

Q: Do I have to move all my savings to work with you?

A: No. My goal is to help you make the most of what you already have. Many of my clients keep their current investments and simply reposition a portion of their assets into safer, income-generating tools. I’ll review your situation and show you how to strengthen your overall plan without losing control of your money.

Q: What do your services cost?

A: There’s no charge for your initial Retirement Income Review. During that session, I’ll help you understand your options and identify ways to improve your plan. If you decide to move forward, I’m compensated directly by the insurance company for helping implement your income strategy — you’ll never receive a bill from me.

Q: Do I need to be close to retirement to work with you?

A: Not necessarily. While most of my clients are within five to ten years of retirement, it’s never too early to start planning. The sooner we begin, the more options we can create to protect and grow your future income. Even if you’re already retired, I can help you make your money work more efficiently for long-term stability.

Schedule Your Retirement Income Planning Session

Retirement should be about peace of mind, not paperwork or market worries.

If you’re within five years of retirement — or already retired — now’s the perfect time to create your income strategy.