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 Maximizer/Retirement Healthcare 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 (Stocks & Bonds)

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Browse All Retirement Planning Articles, Videos, Podcasts

400th Anniversary of the Mayflower

400th Anniversary of the Mayflower

Who paid for the Mayflower? This year marks the 400th anniversary fo the Mayflower's crossing of the Atlantic. The voyage was sponsored by venture capital or more appropriately "adventure" capital. 400 years later we still celebrate Thanksgiving and venture...

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EPISODE 13 Cost Segregation

EPISODE 13 Cost Segregation

Financial IndependenceA Better PerspectivePodcastPresented by Lance Edwards and Randy LuebkeIn this episode of “Financial Independence – A Better Perspective”, Lance and Randy interview Todd Strumpfer and discuss how cost segregation allows one to depreciate a...

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Can the S&P 500 Predict the Presidential Winner?

Can the S&P 500 Predict the Presidential Winner?

I recently saw some stats on using the S&P 500 to predict the winner of the presidential election and I thought they were interesting enough for a newsletter. Below is a chart that calculates the returns for the three months leading up to every presidential...

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EPISODE 12 Self-Directing Your Retirement Options

EPISODE 12 Self-Directing Your Retirement Options

Financial IndependenceA Better PerspectivePodcastPresented by Lance Edwards and Randy LuebkeIn this episode of “Financial Independence – A Better Perspective”, Lance and Randy discuss retirement accounts and the ability to self-direct by choosing your own investments...

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Family Income Protection

Family Income Protection

If you have dependents (children, spouse or parents) who must rely on you and your income for financial security, watch this video to learn how easy and inexpensive it is to protect them from any economic adversity they would experience in your absence.  In this...

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Home Equity Conversion

Home Equity Conversion

If you own your home, and you have at least 50% equity to market value, watch this video to learn how you can (and why you should) convert that home equity into a contract that will allow you to withdraw annual tax free income at retirement. Click here or click image...

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EPISODE 11 Protecting Your Estate Plan

EPISODE 11 Protecting Your Estate Plan

Financial IndependenceA Better PerspectivePodcastPresented by Lance Edwards and Randy LuebkeIn this episode of “Financial Independence – A Better Perspective”, Lance and Randy discuss the dire need to protect your estate plan, so that when you pass, your assets can...

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The Cost of School

The Cost of School

School is back in session but in many cases not on campus...should the cost of school change? School budgets are an extremely local issue. Here's a look at how varied school budgets are across the countryYou May Also Like...

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Simple 401(k): Low Cost / Low Risk

Simple 401(k): Low Cost / Low Risk

If you are responsible for the administration of your company's 401k plan, watch this video to learn how important it is to avoid fiduciary liability and protect employee accounts, AND discover a well kept secret provision of the tax code known as a Simple 401k. Click...

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