Arkansas Retirement Planning
Work Life & Legacy Financial
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, a thorough understanding of your current financial situation, goals, objectives, risk tolerance and key considerations are determined in order address each in your retirement strategy.
Six Fundamental Financial Planning Considerations
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, a retirement strategy is designed that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of the planning process.
03
Communicate Progress
My Commitment to You
Lastly and continually, I work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to me throughout our working relationship.
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Meet The Advisor
Michael Work
Founder
Licensed Insurance Producer
NP# #21336006
Michael Work, founder and CEO of Work Life & Legacy Financial, is a dedicated advisor focused on helping individuals and families secure their fi nancial futures. With a client-fi rst approach, he delivers tailored, long-term strategies designed to build lasting wealth. Driven by his own experience as a husband of 25 years and father of three, Michael is passionate about helping families protect what matters most and establish a lasting legacy.
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Retirement Resources
Complimentary Educational Resources
After many years as an educator, I am convinced that education is the key to success and it is a lifelong journey.
Below you will find various opportunities to learn about different topics.
I encourage you to take the time to browse and expand your financial knowledge base.
Upcoming Events
Events in March–May 2026
- There are no events scheduled during these dates.
Available Downloads
Legacy and Estate Planning; Understanding the Basics
Estate planning is an important part of retirement planning. You’ve worked hard for your money and want to see your children and grandchildren benefit, and you probably want to see it passed down in the most efficient way possible. Unfortunately, costly mistakes are all too easy to make, from forgetting to name a beneficiary on your retirement account to not updating your estate plan over time. It’s not just billionaires who need to have solid estate plans; it’s anyone who wants their wishes to be honored after their passing.
Financial Information Blog
National Credit Awareness Month: Understanding and Nurturing Credit Intelligence
In National Credit Awareness Month is held each March to educate the public about the importance of credit in our [...]
Understanding the Difference Between Income Tax and Capital Gains Tax
In the realm of taxation, two terms often surface: income tax and capital gains tax. Both are crucial aspects of [...]
Minding Future Taxes: Traditional IRA vs. Roth IRA
When considering retirement savings options, it is paramount to understand the tax treatment of the various types of retirement accounts [...]
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. I make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
