Plan for the future you want.
Many financial professionals will talk to you about a retirement product or specific
tool, but that is not a plan. During Retire for L.I.F.E., we’ll show you how to:
Create a true retirement plan vs. just utilizing a retirement product.
Optimize your Social Security benefits.
Minimize taxes in retirement.
Utilize a four-bucket L.I.F.E. retirement plan.
Our philosophy aims at combating five of the biggest risks in retirement:
Longevity
Health Care Costs
Long-Term Care
Inflation
Volatility
We don’t just cover the basics during our workshop. From start to end, you’re going to be presented with a ton of information that could affect your future and your lifestyle. Don’t you think that alone is reason enough to attend?
Retirement risks.
Average vs. actual returns.
Investments.
Annuities.
Sequence of Returns.
Social Security.
Taxes.
Plan vs. product.
Retire for L.I.F.E. buckets.
Planning for retirement doesn’t have to be overwhelming. Knowledge is power.
The Five Pillars of Safe Money Retirement Planning
Our comprehensive approach to retirement security is built on time-tested
principles that have protected retirees through multiple market cycles and economic challenges.
Principal Protection
Your retirement savings should never be at risk of significant loss. Safe money strategies prioritize capital preservation through guaranteed products, FDIC-insured accounts, and conservative investment approaches that protect against market downturns.
- Bank CDs and high-yield savings accounts
- Fixed and indexed annuities
- Treasury bonds and government securities
- Life insurance cash values
- Calculate your safe money needs
Income Generation
Creating reliable, predictable income streams is essential for retirement security. Our strategies focus on generating steady cash flow that doesn’t depend on market performance or economic conditions.
- Immediate and deferred annuities
- Dividend-paying stocks and REITs
- Bond ladders and CD ladders
- Social Security optimization
Inflation Protection
Protecting purchasing power over 20-30 years of retirement requires strategies that keep pace with inflation. We help you understand and implement approaches that maintain your standard of living throughout retirement.
- TIPS (Treasury Inflation-Protected Securities)
- I Bonds and Series EE Bonds
- Indexed annuities with caps
- Real estate and commodities exposure
Tax Efficiency
Minimizing taxes in retirement can significantly increase your spendable income. Our tax-aware strategies help you keep more of what you’ve saved through smart distribution planning and tax-advantaged vehicles.
- Roth IRA conversions and planning
- Municipal bonds for high earners
- Tax-loss harvesting strategies
- Strategic withdrawal sequencing
- • State-by-state tax planning
Estate Planning Integration
Your retirement plan should seamlessly integrate with your estate planning goals. We help ensure your wealth transfers efficiently to your heirs while providing income and security during your lifetime. This includes understanding beneficiary designations, trust structures, and tax-efficient wealth transfer strategies.
- Revocable and irrevocable trust planning
- Life insurance for estate liquidity
- Charitable giving strategies
- Generation-skipping trust structures
- Business succession planning
- Medicare and long-term care planning