Retirement Planning Is Simple With
Rotchford & Associates

Our 4th generation family practice believes in...

Being Proactive With Money, Not Reactive
Excess Income Over Excess Assets
Planning Over Product Sales

Our Family Advises On

Debt Management
Pensions (Employer and Self funded)
Stock, bonds, ETFs, Mutual Funds
Gold and Silver
Food/Water Storage
Real Estate

Our Family Office Philosophy

THERE'S NO MAGIC NUMBER TO RETIREMENT

We handle clients on a true fixed income, as well as multi-millionaires. A lot of articles and advisors would have you believe there's a magic number needed to be happy in retirement, but we don't. Based on what we've seen the key to a happy retirement is excess income, not larger assets. Assets go up and down in value, but income can be forever!

PROACTIVE NOT REACTIVE

If you have found our site you have probably experienced the financial disasters of the Dot Com Bubble and the Housing Crisis of 2008. What have we really seen since then? It seems like a market that just can't fail, but if you look at history everything cycles. Why not be prepared for that inevitably? That's why we believe in being proactive and not waiting for disaster to strike. Have a plan ahead of time and be ready to capitalize in down markets, not just be a victim of them

Have A Plan

We've had many people walk through our doors that had already been successful in retirement. Some have done all the right things already before meeting us. What everyone tends to lack though is a plan. It's nice to have buckets of successful investments, but do they all work together? Are the tax codes the utilized within all these investments? That's where we come in! Let us reorganize your products and make a plan for you!

About Us

About The Advisors

J.R. Rotchford

I joined the family business in 1998 after getting out of the U.S. Air Force and graduating from ASU. I taught country dance lessons for more than 20 years and worked for a newspaper and an elevator company prior to finding my true passion as a financial advisor. My closing in on three decades of experience give me a great advantage on assisting clients with all different levels of financial peace of mind. With my focus on planning over products and education over sales, and our radio show/podcasts, we’re changing financial lives, one person, one couple, one family at a time..!

Rotchford & Associates started with J.R.'s grandfather in Illinois during the 60's. J.R.'s father, Stuart, was the next to join after not being ready to retire after selling off his other businesses. He moved the practice to AZ in 1994. In 1998 Stuart was diagnosed with cancer and asked J.R. to take over the family business. He didn't want to lie to him on his death bed so he said yes, but the plan was to find another advisor he trusted and hand the clients over to them once Stuart passed. Stuart was given 6 weeks to live, but the stubborn man we was went on to live for 14 more years. J.R. was never able to go back to his old career and has since found a real passion for this industry. He has now lead the office through the Dot Com Bubble, 2008, and Covid. His step-son Anthony was the first of three sons to join the practice. J.R. asked Anthony to put engineering on hold for at least two years and give the family business a chance. As of writing this in 2026, Anthony has been with Rotchford & Associates for 8 years.

Anthony Carrao

I grew up in AZ. Got a degree in Industrial Engineering from ASU. Worked in the field doing cost analysis and factory layouts in the aerospace sector. Moved to Utah for my last engineering roll before moving back and joining the family practice in 2018. I spend most of my spare time working on cars and run an amateur endurance race team. We run an E36 M3 with series like Lucky Dog and Champ Car. I also started a business hosting private track events as a way to pay for my racing hobby called PTO Track Days.