Scott Chilton holds a PhD in Biochemistry from Harvard and a BS in Biology from MIT, and brings the same precision to retirement income planning that he once applied in the lab. Based in Massachusetts and independently licensed across multiple states, Scott specializes in helping pre-retirees and business owners build guaranteed income floors so that retirement spending does not depend on sequence of returns, market timing, or guesswork. His approach is consultative and education-first: understand the math, then build the plan. If you are ready to take an honest look at what your retirement income actually looks like, Scott would love to connect.