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About Our Firm

Common Sense Retirement Planning's mission is to reduce financial fear in retirement. Our primary focus is retirement income strategies, and we aim to help provide retirees and pre-retirees with safety of assets, financial liquidity, favorable tax statuses, protection from nursing home expenses and probate.

We recognize the concern among seniors over outliving their retirement savings, and therefore, gain immense satisfaction from being able to create financial solutions for these wonderful people.  

Phillip Allen • CEO/Retirement Planner

Phillip Allen is co-host of Common Sense Retirement Planning. He has experience in the insurance and annuity industry and has been helping retirees and pre-retirees make wise financial decisions for more than 30 years. He studied business administration at Bob Jones University before becoming licensed in the securities industry in 1983.

Phillip currently holds his life insurance licenses in the Carolinas and Georgia, as well as Series 6, Series 26 and Series 63 securities registrations in these states. He is a local radio personality on news radio WORD 106.3 FM and has made appearances on local television stations, WLOS and WYFF.

Phillip lives near Furman University with his wife, Terri, and their three children. He and his family are active members of the Forestville Baptist Church, as well as supporters of Compassion International. Phillip is an avid hiker and backpacker, who always has his dog, Timber, by his side. He also enjoys hunting and riding his motorcycle.

Tony Dale • CMO/Retirement Planner

Tony Dale is a co-host of Common Sense Retirement Planning with 15 years' experience in the insurance and annuity industry. He holds life and health insurance licenses in South Carolina and North Carolina, as well as Series 6 and Series 63 securities registration in these states.

To schedule a time to discuss your financial future and the possible role of insurance or investments in your financial strategy, contact us at or call us at 800.687.6768 today!

Complimentary Report!
"Your Retirement Planning Checklist"
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Complimentary Book!
Common Sense Retirement
In Uncertain Times

With every Common Sense Retirement Review with Tony or Phillip, receive a FREE copy of the new book titled: “Common Sense Retirement In Uncertain Times”

Schedule your Common Sense
Retirement Review today!
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We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

Securities and investment advisory services can only be solicited in the states where a financial professional is licensed and registered to do business in. Please inquire as to which states the financial professional is licensed and registered in before engaging in a business relationship. Securities offered through Madison Avenue Securities, LLC (MAS) Member FINRA/SIPC. MAS and Phillip Allen Inc., Common Sense Retirement Planning or Tony Dale, Inc are not affiliated entities.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

*Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.