About
Nadine Perez, CF2®
Retirement-income educator. Founder of Retirement Diagnostics.
Schedule a Retirement Diagnostic
Background
A Career Built Around the Retirement-Income Gap
Nadine Perez has spent her career focused on one of the most consequential — and most overlooked — transitions in personal finance: the shift from accumulating retirement savings to living on them.
That transition is where most retirement education stops. The 401(k) industry is built around accumulation. Financial planning often focuses on portfolio construction. But the specific challenge of turning savings into a reliable, lasting income stream — one that accounts for Social Security timing, withdrawal sequencing, healthcare costs, and inflation — is rarely addressed in a structured, educational way.
Retirement Diagnostics was founded to address that gap by helping individuals approaching retirement understand how accumulated retirement savings can be transformed into dependable retirement income.
Professional Credentials
Professional Credentials & Continuing Education
Nadine Perez, CF2®, RFC® has earned professional designations reflecting her commitment to ethical standards, continuing education and retirement-income planning.
Certified Financial Fiduciary® (CF2®)
Awarded by the National Association of Certified Financial Fiduciaries (NACFF), this designation emphasizes fiduciary principles, ethical conduct, transparency and acting in clients' best interests. Maintaining the designation requires ongoing continuing education.
Registered Financial Consultant® (RFC®)
Awarded by the International Association of Registered Financial Consultants (IARFC), this designation recognizes professional experience, education and ethical standards in financial services and requires ongoing continuing education.
Commitment to Professional Education
These credentials reflect Nadine's commitment to ongoing professional development and staying informed about the changing financial and retirement-income needs of people approaching and entering retirement.
Approach
Diagnosis First. Strategy Second.
Start With the Problem
Retirement Diagnostics begins by understanding your retirement-income situation. If the Diagnostic identifies an income gap or other retirement-income need, potential strategies can then be considered based on your individual circumstances.
Built around your situation
Every Retirement Diagnostic is tailored to the individual. There is no generic presentation — the session is structured around your income sources, your timeline, and your specific questions.
Clarity over complexity
Retirement income involves real complexity — tax treatment, sequencing, longevity risk, healthcare costs. The goal is to make that complexity understandable, not to impress with jargon.
Why Retirement Diagnostics
The Problem Worth Solving
The retirement landscape has changed fundamentally over the past generation. Traditional pensions — which once provided a guaranteed income stream for life — have largely disappeared from the private sector. In their place, workers have 401(k) plans, IRAs, and personal savings. The responsibility for creating a retirement paycheck has shifted from employers to individuals.
Most people are not prepared for that responsibility. Not because they haven't saved — many have. But because no one has ever taught them how to turn savings into income. That is the problem Retirement Diagnostics was built to address.
"Before you can solve a retirement-income problem, you need to understand it clearly."
The name reflects the approach: before you can solve a retirement-income problem, you need to understand it clearly. A Retirement Diagnostic is that first step — a structured look at what you have, what you'll need, and what decisions are in front of you.
Schedule a Retirement Diagnostic
Work directly with Nadine in a one-on-one session focused on your retirement-income picture.