Meet Ebby.

Michael Eberhardt Sr. — known to just about everyone as "Ebby" — has spent nearly three decades doing one thing exceptionally well: helping people understand their retirement options without the confusion, the jargon, or the sales pressure.

Since founding Retirement Right in 1996, Ebby built a practice rooted in three unshakeable principles: education first, integrity always, and relationships that last a lifetime. Over the years, he became deeply skilled in retirement income planning, life insurance strategies, annuities, charitable gifting, and estate document guidance — working closely alongside attorneys and CPAs to make sure clients walked away with a complete picture, not just a product.

After nearly 30 years, Ebby made the decision that every good founder eventually faces: he passed the day-to-day leadership of Retirement Right to someone he trusted completely — his son, Michael Jr. The firm's values didn't change. The commitment to clients didn't change. Only the name on the door did.

But Ebby being Ebby, "stepping back" was never really in the cards.

Why Guiding Retirees exists

So he launched Guiding Retirees — a new kind of practice with one purpose: to help retirees and pre-retirees get honest answers, without anyone trying to sell them anything.

That's the part most retirees never get. Walk into an advisor's office and the meter starts running on a product pitch. Ebby took the meter out. He doesn't sell annuities. He doesn't manage assets. He doesn't earn commissions.

What he does is sit with you, look at your numbers, walk through your options in plain English, and tell you what he'd do in your shoes — exactly the way he'd talk to a friend.

I spent 29 years figuring this stuff out so my clients didn't have to. There's no good reason to lock that up behind a sales pitch.

How it works

You can read the free guides. You can fill out the income worksheet. You can hop on a free monthly Zoom Q&A. And when you're ready for a deeper conversation, you can book a flat-fee consulting call — one price, no upsell, no obligation.

If a product genuinely makes sense for your situation, Ebby will point you to his son's firm at Retirement Right, or to your own advisor. If no product makes sense, he'll tell you that too.

Who Ebby works best with

• Pre-retirees (age 58–67) trying to figure out when and how to stop working
• New retirees who want a second opinion on their plan
• Retirees with existing advisors who want an unbiased sanity-check
• Anyone confused about Social Security timing, annuities, or estate documents