Your Mission
Climbing up the retirement mountain is relatively easy.
Most people make it to the top.
But, going down the mountain: That's different
The Math is Different
The Taxes are Different
The Time is Shorter
You are Older
Some people don't make it down.
Others run out of money...
Most people leave their money to the government.
Their family is left behind to find this out.
Retirement Risks
What is Your #1 Concern During Retirement?
"Successful retirement is defined as a stream of income sufficient to sustain your chosen standard of living.
That standard of living is measured by income not the value of a pile of money"
Robert C. Merton
Nobel Prize Winning Economist
Guaranteed income for life should be your primary retirement goal.
Award Winning Mathematician
Manahem Yaari
proved mathematically that a retiree with an unknown lifespan (all of us) should optimally turn their savings into a guaranteed income for life, if lifestyle is their primary goal.
"The 4% Rule is now the 2.4% Rule."
A Scientific Retirement can provide up to 250% more income than Wallstreet's now defunct 4% rule!
"The probability that the 4% rule would work is a lot lower now. It worked in the U.S. historically, but previous years never dealt with low interest rates and high stock market valuations at the same time.
"I did some updates in mid-march; and for an investor taking a moderate amount of risk, 2.4% is my equivalent of the 4% rule."
Wade Pfau, PhD
Wade Pfau, Phd
Professor of Retirement Income at The American College of Financial Services
Director of Retirement Research at McLeaon Asset Management
Guaranteed Lifetime Income
Will Your Nest Egg Outlive You?
Income for life!
Other than Social Security (controlled by the government) how much of your nest egg is secured in assets that provide monthly income guaranteed for life regardless of the market risk?
Protection Risk
An untimely death or accident can create additional stress and financial pressure on your closes loved ones if we don't plan ahead.
Market Risk
A single 20% or 30% market crash can not only hurt your account balances, but it can cause you to run out of money years sooner!
Tax Risk
CAP and Tax Expert Ed Slott says "Taxes are the larger risk than market crashes." If you have all your retirement income in qualified plans like IRA's and 401(k)'s that require you to pay taxes when you take the money out, you have a huge tax liability.
Health Care Risk
Statistics show that long term health care costs can be the largest expense in retirement. What have you done to protect your nest egg and your family from being hammered by this expense?
Income Depletion Risk
Will your nest egg provide enough income to give you the retirement you want, for as long as you live? Most people have no idea!
Longevity Risk
Longevity is the great RISK MULTIPLIER. Do you know how long you will live? Hopefully a long prosperous life. Longer life spans multiply the likelihood of each of these risks happening to you.
Testimonials
Angela
I am an executive in the medical industry. I pay the most taxes because I'm employed. I learned how I can create a tax-efficient retirement plan so I can have a tax-free distribution source during retirement.
Chuck, DDS
I have invested in so many bad deals trying to prepare for retirement. My financial advisor has not done as well as I expected. But, it's too late now! I didn't have time to monitor finances when I was working on my business. Now, I know I'll have lifetime income regardless of the market. No more worries.
Eric, MD
I was dumping money into a life insurance policy that had risk in the market. I am too old to fix it so, I was able to take the equity in my policy and put it to work for me and my family by creating lifetime guaranteed income. I will 3x my money with this one move.