ORAY KING Wealth Advisors

2605 Crooks Road | Suite A

Troy, MI 48084

(248) 733-4911



Investment advisory services offered through Regal Investment Advisors, LLC, an SEC Registered Investment Advisor. OrayKing Wealth Advisors, LLC is independent of Regal Investment Advisors. Insurance services also offered by representatives of OrayKing Wealth Advisors, LLC.


This material does not constitute an offer to purchase or sell securities or a solicitation of such offers in any jurisdiction in which all of the parties are not appropriately licensed and/or registered to make or solicit such offer. 


We’ll help ensure your expenses can be paid month to month with reliability and predictability for the rest of your life. This includes analyzing and making smart decisions about:

  • Social Security Maximization

  • Pension Election

  • Income & Expense Analysis

  • Inflation Plan

  • Spousal Plan

  • Longevity Protection

We provide extensive retirement planning services including work vs. retire “gap analysis,” 401(k), 403(b) and 457 retirement plan rollover analysis, retirement cash flow reviews, inflation adjusted withdrawal strategies, lump sum analysis and required minimum distribution calculations.

The primary financial goal of most people is to have enough financial security to be able to retire with a safe income stream that increases with inflation to keep them healthy and happy for their lifetimes (sometimes their kids’ lifetimes as well.)


The initial step of retirement analysis is to determine ‘critical capital’; or the amount needed in dollars to provide a flow for life. The amount needed should include inflation, as well as future taxes in retirement, such as the taxes on eventual IRA distributions.


Flows like Social Security and pensions are factored in, and the critical capital is calculated using a conservative rate of return. This step helps us determine what amount of money you need after taxes to live a good life, factoring in inflation, for as long as you may live.