Arizona Retirement Planning
Financial Profiles Group LLC
Malcolm Giles helps clients enjoy more financial security with “foundation planning,” which focuses on several crucial areas of retirement: income planning, tax mitigation strategies, wealth preservation, solutions to pay for long-term care without devastating personal finances, and estate planning for loved ones. His clients often comment on how this unique philosophy and his painstaking efforts to understand their situation and explain their options to them leave them with more peace of mind. Malcolm prides himself on carefully listening to every person’s needs, their goals, and then building out a personalized strategy for them.
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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
Malcolm Giles
Founder / CEO
Malcolm Giles, the owner of Financial Profiles, is a highly experienced and versatile financial professional dedicated to helping those near and in retirement achieve their financial goals. Originally from New York, he has resided in Scottsdale, AZ for over three decades. During this time, he has gained extensive, hands-on experience guiding clients through the complexities of Medicare, assisting them in comparing options like Medicare Advantage and Medigap to find the most suitable and cost-effective coverage for their retirement needs.
Malcolm’s comprehensive background also includes many years in the health & life insurance and investment management spaces. He has coached people from all walks of life on financial wellness, including debt payoff and pre-retirement planning strategies. His mission is to deliver comprehensive financial clarity, securing a confident and financially protected retirement for all his clients.
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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
Navigating Medicare and Medigap Insurance
One of your largest retirement expenses could be your healthcare costs. An average 65-year-old couple retiring today will need an estimated $315,000 to cover their healthcare costs, according to one study. Unfortunately, the Medicare system can be quite complex. This leads many retirees to overspend on healthcare expenses and receive suboptimal coverage over the span of their retirement. Don’t pay more than you should for the health services and coverage you deserve!
Our Blog
Financial Aid Awareness Month – How to Make the Most of Financial Aid
February is recognized as Financial Aid Awareness Month, an excellent opportunity for students and families to learn more about the [...]
Demystifying the Life Insurance Medical Exam: What to Expect During the Underwriting Appointment
Applying for life insurance often includes a step that may be unfamiliar to many: the life insurance medical exam. This [...]
Understanding Risk Tolerance When Investing
Investing is an essential part of personal finance. However, it does come with a fair share of risks. Everyone has [...]
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.
