The 4 Essential Element

Retirement Planning

Our unique and proprietary systems and services will take you from where you are today, to your Financial Independence Day, so you can begin to live the life you really want.  Select any of the headings below to learn more about them now.

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The 4x4 Financial Independence Plan ˢᵐ

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The Smart 401(k) Supercharger ˢᵐ

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The Smart College Cost Eliminator ˢᵐ

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The Smart Debt Eliminator/Credit Builder System ˢᵐ

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The Smart Investment Property Evaluator ˢᵐ

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The Smart Mortgage Paydown Accelerator ˢᵐ

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The Smart Social Security Benefits Maximizer/Retirement Healthcare Expense Estimator ˢᵐ

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Annuities

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Coaching and Consulting

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Delaware Statutory Trusts

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Insurance-Disability

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Insurance-Life

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Mortgages-Forward

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Mortgages-Reverse

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Notes

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Real Estate Rentals (Direct)

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Real Estate Rentals (Partnerships & Syndications)

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Securities (Provided Via Lifetime Financial)

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Browse All Retirement Planning Articles, Videos, Podcasts

8 Ideas That Help You Manage a Financial Windfall

8 Ideas That Help You Manage a Financial Windfall

Estate PlanningHave you ever dreamed of winning the lottery or inheriting a large sum of money?  Most people have, at a minimum, thought about it.  The interesting thing is that, even if you were to “hit the jackpot”, often riches that fall into our hands can...

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Key Planning & Investment Deadlines Summer 2021

Key Planning & Investment Deadlines Summer 2021

Financial GuidesSummer is here! And it's time for your Summer Key Planning & Investment Deadlines reference card. Every quarter, I like to send clients, family, and friends a reminder reference card of all the key financial deadlines heading our way over the next...

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Retirement Income: Which Accounts to Tap First

Retirement Income: Which Accounts to Tap First

Retirement PlanningMany people assume that when retirement rolls around, they should draw cash from their taxable accounts first. Generally, this is a good idea; but not always.A basic tenet of tax planning is to put off paying taxes for as long as possible. By...

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Get Ready for 7 Serious Life Transitions Ahead

Get Ready for 7 Serious Life Transitions Ahead

Retirement PlanningMost baby boomers will face seven key events in their last stage of life that will color their finances and investments. Prepare for these events by thinking about them now.It can be dangerous to generalize about the baby boom generation, but there...

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5 Questions to Ask Yourself 5 Years Before You Retire

5 Questions to Ask Yourself 5 Years Before You Retire

Retirement PlanningRetirement planning takes on added urgency the closer you get to leaving your job. Imagine your future by looking at the major factors: housing, activities, lifestyle, life expectancy, and unexpected events.The first step in any retirement income...

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8 Reasons Not To Do a Roth Conversion

8 Reasons Not To Do a Roth Conversion

Tax PlanningThe Roth IRA is an incredibly effective tool that can save clients lots of taxes down the road. Nevertheless, a Roth is not right for every situation, all of the time. Consider these potential disadvantages before you make the move.We love Roth IRAs and...

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