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

Building Health Care Costs into Retirement Planning

Building Health Care Costs into Retirement Planning

Retirement PlanningHealth care planning is a sensitive subject that often takes you and your advisor places you don’t want to go. But given rising expenses, no retirement plan is complete without some kind of provision for health care needs. Here are some guidelines...

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Key College Funding Data 2021-2022

Key College Funding Data 2021-2022

Retirement PlanningI know that figuring out how to pay for college is one of the biggest challenges families face today. I've seen many overpay for college and hurt their savings and retirement plans. I don't want that to happen to you. Below you will find a link to...

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4 Ways to Evaluate Financial Aid Letters

4 Ways to Evaluate Financial Aid Letters

Retirement PlanningFinancial-aid award letters are often jargon-filled and confusing. You need to know how to evaluate what you are really getting. Better knowledge just might lead to a better aid package.Financial aid award letters are confusing primarily because...

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A 60/40 Portfolio Can Be Hazardous to Your Financial Health

A 60/40 Portfolio Can Be Hazardous to Your Financial Health

Retirement PlanningFor the last several decades, conventional wisdom in the financial services industry has been that a prudent way to invest money, one that will provide sufficient yield and a hedge against downside risk, is to use a mix of 60% stocks and 40% bonds. ...

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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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