Michigan Retirement Planning
Exacta Financial Services
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.
Exacta Financial Services 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.
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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.
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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.
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Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
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Meet The Advisor
James Newman
Founder
James Newman resides in DeWitt, Michigan with his wife and enjoys time with family, cooking, fishing, and anything that puts him near the water. Those same values—family, balance, and peace of mind—shape the way he works with clients every day.
James brings nearly two decades of hands-on risk management experience and more than 25 years in financial services, helping individuals and families prepare for life’s transitions with clarity and confidence. He is a Registered Investment Advisor and holds the LUTCF® (Life Underwriter Training Council Fellow) designation, reflecting advanced training in insurance, retirement income planning, and client-centered financial strategies.
Through firsthand experience with estate planning, probate, and retirement income challenges, James recognized that many people approach retirement with unanswered questions—and unnecessary anxiety. That insight led him to establish Exacta Financial Services, LLC, with a focus on helping pre-retirees and retirees understand the risks they face and implement thoughtful, practical solutions to protect their income and lifestyle.
James specializes in retirement income planning, risk mitigation, insurance strategies, and long-term financial confidence. His approach is educational, personal, and centered on long-term relationships—not products or pressure.
His passion is helping clients enter retirement free from constant financial worry, so they can spend less time watching markets and more time enjoying family, travel, and the life they’ve worked hard to create. James believes retirement should be a time to live your “hi-light years,” not simply drift through your “twilight years.”
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in May–July 2026
- There are no events scheduled during these dates.
Our Downloads
A Short Introduction to Long-Term Care
If you know someone who takes care of their parents or if you’ve done it yourself, you know how stressful it can be. Now, think about a time when you might need that same care. That’s why having a long-term care strategy can help give you and your family peace of mind and help lessen the burden of an unexpected expense.
Long-Term Care
Plan Ahead for Peace of Mind
A long-term care event can quickly impact your retirement savings and your family’s financial security. Asset-based long-term care solutions help protect your income, preserve your legacy, and provide flexibility if care is ever needed. Let us show you the options available to help protect what you’ve built — and bring greater peace of mind for your future.
Our Blog
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.
