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Retirement Planning

Bedrock Retirement Partners

Retirement is personal. You've worked hard to save and invest your money and now it's time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.

BedRock Retirement Partners LLC is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.

Retire with confidence

Our Planning Process

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

01

Start Smart

02

Apply Discipline

03

Communicate Progress

01

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

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, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Our Services, Your Future

We focus on six primary plans and each of these have important sub-plans: Income Planning, Investment Planning, Life Insurance Planning, Tax Planning, Healthcare Planning and Legacy Planning

Design an income plan that delivers dependable income and financial security throughout your retirement.

Maximize the growth potential of your investable assets in accordance with your risk tolerance and financial goals.

Protect your loved ones and preserve your legacy with a life insurance plan tailored to your family's needs and future goals.

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

Create a healthcare strategy that ensures access, affordability, and peace of mind through every stage of your retirement journey.

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate planning strategies.

03

Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of all your plans by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.

Have a Question?

Contact Us

Here For You

Meet The Team

Scott Wilkins

Chairman

Maria Elena Espindola

Ceo

Thomas Murphy

Director Insurance

RR

Retirement Resources

Complimentary Educational Resources

Lastly and continually, we work to ensure transparency of all your plans by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Our Upcoming Events

Events in October–December 2025

  • There are no events scheduled during these dates.

Our Downloads

Tips to Help Avoid "Market Panic" Reaction

Planning for retirement is never a "set it and forget it" activity: There are unexpected disasters, market drops, and changing laws that invariably cause retirees to reevaluate their plans.

Financial Calculators

CalcXML Financial Calculators

PLEASE NOTE: The information being provided is strictly as a courtesy. We 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.

Financial Literacy Videos

Ready To Talk?

Schedule Your Complimentary Retirement Review Today!

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    420 Live Oak Dr,
    Mt Pleasant, SC 29464

    Greenville, SC
    Charleston, SC
    Altanta, GA

    (843) 834-9889

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    Navigating Medicare and Medigap insurance is a difficult process. Download this free guide today

    For a complimentary copy of Navigating Medicare and Medigap Insurance, complete the form below.







      Long-term care is an important part of retirement planning. Start here.

      For a complimentary copy of A Short Introduction to Long-Term Care, complete the form below.







        Estate planning is an important part of retirement planning. Start here.

        For a complimentary copy of Legacy & Estate Planning–Understanding the Basics, complete the form below.







          Find a Foundation for your Retirement Life after Work as a Federal Employee.

          For a complimentary copy of Federal Employee's Guide to Retirement, complete the form below.







            Download Your Guide to Planning Both Life-Changing Events

            For a complimentary copy of How to Exit Your Business and Enter Retirement, complete the form below.







              Have a Plan to Help Protect Your Savings from Major Market Corrections

              For a complimentary copy of Tips to Help Avoid "Market Panic" Reaction, complete the form below.





                We are waiting to help you retire in confidence.

                For general questions or comments complete the form below.

                Contact Information:

                420 Live Oak Dr,
                Mt Pleasant, SC 29464

                Greenville, SC
                Charleston, SC
                Altanta, GA

                Phone: (843) 834-9889

                Contact Us






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                    For a complimentary copy of 6 Real Financial Risks You Could Face in Retirement, complete the form below.







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                      For a complimentary copy of Maximizing Social Security: What You Need to Know to Get the Most Out of Your Benefit, complete the form below.







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                            Speak With BedRock Retirement Partners LLC Today!







                              Rita Nelson

                              Office Manager

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                              Thomas Murphy

                              Director Insurance

                              With eight years of experience in the retirement space, Thomas Murphy has helped thousands of families navigate the complexities of retirement planning. He's been a part of over $1 billion worth of retirement transactions, making him an expert in managing sequence of return, longevity, and inflation risk through personalized private
                              pensions. Beyond his financial expertise, Thomas serves as a board member for multiple philanthropic organizations dedicated to improving youth crisis intervention and promoting financial literacy among underprivileged youth.

                              Thomas lives in Mount Pleasant, South Carolina, where he enjoys the charm of the low country, taking leisurely walks on the beach, and savoring the local cuisine.

                              Maria Elena Espindola

                              CEO

                              Maria Elena Espindola was born in Mexico City but she has lived in the US, England, and France for over two decades. She currently resides in Atlanta, GA and Merida, Mexico.
                              After graduating Suma Cum Laude from the renowned Universidad Panamericana in Mexico City with a five-year Degree in Finance and Accounting, she worked in several Financial Institutions until 1990 when she became a principal partner and owner in a Leasing Company where she was in charge of the accounting/finance and administrative aspects of it. 

                              After starting a family in 1995 she moved to New York, London and Paris for 15 years combined at the same time working for The Cielo Group , an Atlanta, Georgia-based company whose main objective is to aid businesses by providing advisory, recapitalizations, and active
                              management services. Maria Elena's native language is Spanish; she is bilingual in English and fluent in French.

                              Scott Wilkins

                              Chairman

                              As the founder of Cielo Partners, an investment and advisory
                              company, Scott Wilkins brings over three decades of experience in
                              analyzing and strategizing the financial aspects of companies across
                              the United States, Europe, and Latin America. His background as a
                              former Wall Street sell-side analyst and entrepreneur gives him a
                              comprehensive understanding of the value creation process for public
                              and private entities.

                              Scott's international experience, which includes living and working in
                              major global cities, allows him to apply a broad and diversified
                              perspective to his work. He holds a Master's in Business
                              Administration from the London Business School and speaks Spanish
                              and French fluently.

                              Discover the little-known strategy for realizing tax-free income in retirement.

                              To receive a complimentary copy of Tax-Free Retirement, complete the form below.











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