Get To Know Us
We're a boutique, specialized team focused on one thing: helping lifelong savers navigate the Dangerous Decade with coordinated retirement planning, aligned investments and long-term tax planning.
"Why 'Provision'?"
The name matters. Provision means two things:
First, it means to supply what's needed—which is exactly what we do. We help you turn savings into reliable income that provisions your retirement.
Second, it means preparing for future needs—the forward-thinking, systems-based planning that accounts for what could go wrong, not just what you hope will happen.
This dual meaning captures our entire approach: protecting what you've built while preparing for an uncertain future.
How Provision Thinks About Retirement
Our approach could be summed up as Planning for the best, Preparing for the worst, and Protecting what matter most.
Plan
We coordinate retirement planning, investments, and taxes as one integrated system— which protects your retirement against unintended consequences.
Prepare
We're long-term optimistic but short-term realistic, building plans that work even when markets don't cooperate, especially during the critical Dangerous Decade.
Protect
We layer multiple strategies—income floor, growth portfolio, multi-year tax planning, insurance and adaptability—so there's no single point of failure in your retirement plan.
Robert Lindstrom, CFP®, EA
I founded Provision Financial Planning to serve retirees the way I believe you deserve: with coordinated planning that sees how retirement, investments, and taxes interconnect across time.
After working in traditional wealth management, commission-based sales, and fee-only planning, I founded Provision in 2019. As both a CFP® and Enrolled Agent, I am uniquely positioned to work at the intersection of retirement planning, investment management, and multi-year tax strategy.
Combined with an investment methodology adapted from institutional pension management, we've built a firm specifically for people navigating the shift from saving to spending.
I've had potential clients ask me what my superpower is. It's seeing second and third-order effects others miss—like how a Roth conversion affects Medicare surcharges, Social Security taxation, and your multi-year tax picture. This systems thinking lets me coordinate everything into comprehensive protection.
The Team For You
We’re a tight-knit team focused on one thing—helping careful, self-made retirees turn their savings into a clear, livable retirement plan with steady guidance along the way.
Based in Maryland, Serving Nationwide
We call Towson, Maryland home, but work virtually with retirees nationwide—bringing specialized retirement income and tax planning to you, wherever you live.
