In 1975 brothers Fred and Alan Busch set out on a journey from Michigan to the sunny beaches of Tampa Bay, Florida.  Influenced by their uncles Bill and Bob, successes in their own fields, Fred and Alan were determined to serve families in the southern states.  Although they were in their mid-20’s, they rolled up their sleeves, went to work, and started helping clients secure their financial future.

They have been serving clients now for over 40 years.  Ironically they each married girls named Susan, and both have also been married for over 40 years.  These lovely ladies have helped their husbands shape the firm’s focus and uncommon warmth.

They are proud that clients have become friends and still experience the joy of helping people improve their lives, grateful to be working with the third generation of many client’s family members.  Fred and Alan set the standard of care, excellence, and kindness that our entire team lives by every day.  As a fiduciary firm that has now grown to five advisors, each with specialties to serve clients across the United States and abroad, we champion the message that Income Is The Outcome That Matters Most In Retirement.

Fred busch, senior advisor

Fred has been a financial strategist serving individuals in retirement and those approaching retirement for over four decades. He and his wife of forty years have four children and six grandchildren. Fred has personally trained over 200 individuals in financial services and has had articles published in national industry publications. He has traveled, on behalf of the industry, to Washington, DC to meet one-on-one with Members of Congress to educate them on and discuss legislation affecting guaranteed retirement products.

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alan busch, senior advisor

Alan is a 41-year veteran of the Financial Services Industry who is now serving the grandchildren of his clients from the 1970’s. He has guided countless families through every season of life and offers solutions that have weathered dozens of financial storms over the past forty years. A native of Michigan, Alan moved to Florida in 1975 and has been serving clients ever since as a Safe Money Retirement Income Strategist.

Alan, along with his team at Smarter Retirement Solutions, serves federal employees and hosts Federal Employee Retirement Workshops all around the USA. They have extensive Federal Benefits and Retirement Training which enables them to delight in solving the unique challenges faced by their federal clients. The transition from federal service to retirement, or to a second career, requires nuanced care. Alan’s personally crafted solutions empower federal employees to bolster the effectiveness of their retirement nest egg and to take full advantage of each of their well-deserved FERS or CSRS federal benefits.

Alan and his wife Sue, a talented musician, enjoy living in Pinellas County and are very involved in their local church community. While growing Smarter Retirement Solutions these last several years, he has developed his team to protect and prosper the assets of hard-working Americans. His goal is simple; to help clients make smart choices about their money, retirement assets, employer benefits, Social Security strategies, legacy, and Estate Transfers by creating Lifetime Income Plans and All-Seasons Secure Portfolios.  Alan appears in this year’s “Retirement Planning” edition of Kiplinger’s Magazine. The magazine recognized those who possess the skills and experience to design strategies which allow clients to get the most from their retirement years.

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John has been serving clients in the financial services arena since 2003, when he launched a mortgage company in Orlando, Florida.  He hosted a financial radio program, “Your Home,
Your Money,” heard across Florida for many years. Now, as a nationally recognized and sought-after seminar speaker, John shares a message of hope in a fun and compelling way. He also serves our team as the principal communicator at our Retirement Income Workshops held across the U.S., where we teach business owners and attendees from all sectors how to create streams of predictable and reliable lifetime income.

John served as a United States Marine Officer and is honored to be an Investment Advisor Representative at Smarter Retirement Solutions leading our team of advisors across the country.
As our company grows to meet the increased demand for quality and thoughtful retirement advice, John provides oversight of our expansion both domestically and internationally. A proud sponsor of federal retirement workshops around the U.S., John empowers federal employees to maximize their benefits and live their retirement dreams. John appears in this year’s “Retirement Planning” edition of Kiplinger’s Magazine.

STACEY ripley, director of client success

Stacey was an invaluable resource for several local business owners in Alabama and Florida and overhauled their sales, marketing, HR, and accounting practices. She transitioned from the music industry as a recording artist to the business world. John and Stacey met through their common love of music and married in June 2017. Based on the Smarter Retirement Solutions team’s growth, Stacey enthusiastically joined the team as Director of Client Success and now leads our client experience process and supports our multi-state team. John and Stacey live in Orlando, FL, and stay active with five college-age children, are passionate about music, fitness, global missions, and travel.


Jonathan graduated from The University of Tampa and has focused on helping clients financially plan for their future for the past sixteen years.  After college, Jonathan served in the United States Army National Guard. He has a heart to serve those who sacrifice so much to keep our nation safe. As a father of two young daughters, he understands the challenges our young clients face with the uncertainties of future tax rates, Social Security changes, and economic and demographic shifts.  He has the heart to serve our clients from all age brackets in preparing for the road ahead.  An Investment Advisor Representative and detailed numbers cruncher, he pays strict attention to detail, having worked 4 years for one of the top law firms in the southeast US. Other team members often call on Jonathan to help solve complicated case design challenges.  Jonathan lives in Loveland, CO, an accomplished artist, and fitness enthusiast, and leads our service to federal employees in the Denver, Northern Colorado, and Southern Wyoming regions.

clint connell, austin

An Army Officer and a three-decade real estate expert, Clint joined Smarter Retirement Solutions to serve clients in Texas and the central U.S. His keen understanding of market trends and risk management offers our clients excellent value as our team builds solid Retirement Income Plans.

He remembers the underlying theme taught by his grandparents, who had been wiped out by the Depression, that “money doesn’t come easy and you need to protect what you have.”

His grandparents worked for the State of Texas starting in the 1930s, and later his father served as a Texas Ranger and his mom as a Texas school teacher. Clint witnessed the gratefulness that each generation displayed for their reliable employment benefits and steady streams of income. They saw these sources of predictable income as “heaven-sent.” Clint learned that being thrifty is a great way to gain financial security and create reliable future retirement income. He joined the Smarter Retirement Solutions team to now provide that same positive future outlook for all of our clients. When he sees them begin to really understand the benefits of reliable income, grasp the possibilities of a secure retirement, look at their future with bright anticipation rather than nervous uncertainty – that’s a good day in his book!

Clint and Andrea, his wife of 34 years, live in Austin, TX and have two sons; one a Captain in the United States Marine Corps, and the other is a nationally recognized large-scale commercial artist. Clint leads our service to federal employees in the Central Texas region.

terry thomason, Colorado springs

Terry has been serving his clients for the past 18 years in Colorado Springs and the Greater Pikes Peak area. He brings his joyful countenance to bear in every situation. A calculating and thoughtful income planner, Terry enjoys his craft and the results of lifetime income solutions. He and his wife Sherry have been married for 33 years, live in Colorado Springs, CO, and have two daughters and six grandchildren. They love outdoor sports, and serve in their local church. He has climbed half of Colorado’s 14,000-foot mountains. Terry leads our service to federal employees in southern Colorado and the greater Colorado Springs Pikes Peak region.