The best retirement planners create lasting relationships. Phillip stands by you as your financial steward during the length of your retirement, helping you to review and adjust your financial plan or financial strategy as needed. He will also advise you on ways to manage market risk, and reveal ways to help defer and reduce income taxes, capital gains and estate taxes.


Quite often, there are business and legal matters that need to be addressed with retirement. It is a matter of finding the right resources. Phillip can help you locate them. He has relationships with legal and accounting specialists relevant to the issues you may be facing.

In fact, many pre-retirees and new retirees come to Phillip as result of a referral as we believe CPAs, attorneys and other professionals know he will advise their clients courteously and compassionately. He lives by the Golden Rule and centers his life and business in the Word. This is why our clients become a friend.

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

Securities and investment advisory services can only be solicited in the states where a financial professional is licensed and registered to do business in. Please inquire as to which states the financial professional is licensed and registered in before engaging in a business relationship. Securities and advisory services offered only by duly registered individuals through Madison Avenue Securities LLC, member FINRA/SIPC and a Registered Investment Advisor. MAS and Phillip Allen Inc., Common Sense Retirement Planning or Tony Dale, Inc are not affiliated entities.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

*Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.