About Us

Ralph Norman

Certified Financial Educator

Our Plan

Imagine if someone you love dearly handed over their money and made it your responsibility to make it last. It inspired me to find an investment strategy that helped my parents never lose any of their retirement money. Over my 21 year career visiting with more than 750 people of retirement age, I've never lost a single dollar of my clients' money due to volatility of the market.
And neither have any of Capital Associate Planners' advisors.
We have spent our entire careers working with people who are nearing or in retirement, We understand your unique needs. And we know there's simply no way you can afford to waste valuable retirement years trying to recover from dips in the market. You need reliability. you need to protect your profits and lock in gains. You need your money to go to work for you in retirement.
Ralph has lived in the Scottsdale/Mesa area for 31 years. Ralph and Terri have been married for 42 years. They have 7 grandchildren. Ralph has been the President and co-founder of a ministry that feeds homeless men, woman, children, and veterans monthly. Ralph is the past president of the Golden Eagle Foundation, which provides scholarships to Fountain Hills high school seniors.

Free Consultations!

Capital Associates Planners holds licenses in over 10 states, including Arizona, Texas, California, Ohio, Florida, Tennessee, Michigan, and more! ​

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What We Do For Our Clients

Asset Protection

​Retirement doesn’t mean it’s time to stop growing.
Same holds true for your money.
We specialize in helping retirees protect their retirement assets while continuing to move forward.

Family Legacy Planning

Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance –
We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create.

Retirement Income

Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. It’s very likely to spend 30 years or more living in retirement without earned income.
We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike. Let us get to work on a plan for you.

Extended Care Solutions

Long-term care/extended care costs have gone up substantially in the last 10 years. A plan to address these costs should be included in every retirement strategy.
The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t.

Educational Events

We regularly host informative and educational workshops throughout our community about retirement and income solutions. We invite you to learn more at an upcoming event. ​

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Our Portfolio

  • All
  • Hard Copies
  • Videos

The Baby Boomer Dilemma - Film

An Exposé of America's retirement experiment

The Retirement Shield

Ralph Norman presenting his book to Michael Cutchal on 85.1 FM in Phoenix

​Retirement Strategy Video

Click the link for video

Ralph Norman

On Air recording at WOW Factor 95.1 FM Phoenix

the retirement shield book by ralph norman

The Retirement Shield

Get your copy today

The Retirement Shield Review

Click the link for video

9 Tips on Social Security

Contact us for a free copy

Ralph Norman's Blog

Retirement and life have many similarities, and both should be approached with a long-term perspective.

More Info

Contact Us

To set up an appointment, or general inquiries, contact us today! We're here to help.


PO Box 1895
Scottsdale, AZ 85252