We’ll put $20,000 to $40,000 extra back in your pocket - Every. Single. Year.
But how?
It’s all about knowing how to put your money into the right buckets, and let’s face it - not many people know how to do that.
If you're 55 to 62 years old and have $1 million to $3 million in retirement savings, it’s absolutely possible to get an extra $20,000 - $40,000 back in your pocket every year.
The experts we align with know how to make it happen.
Have you wondered if your money will last as long as you do?
Are you second-guessing what you thought you'd actually need to save to stop working comfortably?
Have you wondered if you'll really be able to do what you want, when you want when you retire?
Are you looking at the rising costs of everything and wonder what it's really going to cost you?
Do you worry about taxes when you start to withdraw money from your retirement savings?
What about Social Security -
how do you keep as much as you can in your pocket when the checks start coming in?
Most pre-retirees face the same 10 concerns:
If you’re reading this, chances are, one (or more) of these concerns is keeping you up at night.
And chances are, you know you should be looking at making some changes to your retirement plan - which is why you’re here in the first place.
Minimizing taxes
Effects of inflation
Cost of healthcare
An unstable market
Social Security timing
Saving enough money
Fear of outliving your funds
Retirement date uncertainty
Lifestyle costs and budgeting
Overpaying on management fees
The confidence, security and stability you’re missing.
Maybe you’ve trusted someone with your retirement strategy for a long time, but now that you’re getting closer to that time, you’re second-guessing whether that person has your best interests in mind.
You’ve tried to do your own research, but the information out there is overwhelming.
It’s hard to figure out if what you’re reading is true or if that person/product/source of information is just out there to get your hard-earned money.
You want to make the right move, but you’re frozen with the fear of making a mistake.
So you decide to stay where it seems comfortable.
But is that the right move?
Retire Golden offers solutions that will give you confidence, financial security and stability so that you can enjoy the life you’ve always imagined once you leave the working world.
First, we’ll look at your specific situation and figure out the most tax-efficient solution. It’s a combination of reducing your management fees, reducing your market risk to zero, and then getting tax-efficient.
If that’s all you need to read and want to learn more
Not sure yet? Keep reading …
“Tell me more!” We’re glad you asked.
Let’s keep it simple. Here are the main advantages of the solutions Retire Golden offers:
They build your savings. Your money grows with additional earnings over time, much like interest from investments. If the market takes a hit, your account will never take a dip.
They grow without being taxed. You don’t have to pay taxes on earnings as they accumulate.
They provide a safety net for your loved ones. In addition to helping you save, our solutions include a death benefit so you can leave money to your loved ones - also tax-free to them.
They still give you access to funds. If a situation comes up and you need some cash, you can actually borrow money from your accumulated savings without any tax penalty.
Questions? We thought you might have a few.
Why haven’t I heard about these types of solutions before?
Many financial service companies and advisors focus on products instead of tax-efficient solutions. The solutions we offer have been around for decades, but they aren’t widely publicized. The main reason? The companies we compete with push products (mutual funds and variable annuities, for example) that allow them to collect the most annual fees (in other words, make more money). We’re about building solutions and THEN figuring out what types of financial products are available that fit your unique situation vs. simply going straight to a product.
Is this a scam?
Not at all. We partner with high-level financial experts, all with 20+ years of experience in the business, to develop efficient, successful solutions that these experts use for their own families.
If this is so great, why aren’t more people doing this?
Most people either haven’t been exposed to these solutions or haven’t been exposed correctly to these solutions. This is all about reducing taxes, maximizing return, and creating stability within your income stream.
Why is 55 to 62 the ideal age range for Retire Golden solutions?
It’s ideal to start the retirement planning process from 55 - 62 so you can focus on how much annual income you’ll really need in retirement, and on reducing the risk of a market crash or a recession. When you plan during this age range, if the market crashes, you won’t be caught unprepared right in the middle of it, and your plan will remain consistent and focused.
We’ve talked to many people that had planned to retire around 60 - 62, but they weren’t prepared for a market downturn. Since they hadn’t planned ahead and didn’t have their funds in solutions that reduced the risk of a market crash, they either had to defer retirement to ages 65 - 70, or cut their retirement income by 30 - 40%. By planning ahead, you’ll avoid these scenarios.If you’re outside of that age range but still have questions, we’ll be happy to help.
Is $1 million to $3 million really the amount I need in order for Retire Golden to help me?
That $1 million - $3 million range seems to be where taxes start increasing and pushing people into the much higher tax brackets. When you have less than $1 million, the minimum amount you’re required to withdraw each year is around 4%, so that allows most to stay on Medicare level 1, pull $30,000 to $40,000 annually (off of $1 million). That income, combined with your Social Security income, will keep you around $100,000 per year and your taxes will fall in the 10 - 15% range.
When you’re within the $1 million to $3 million range, you’ll likely be in a 25 - 40% tax bracket. Most people plan on being in a lower tax bracket in retirement - not the same bracket (or sometimes, an even higher bracket) than they were during their working years. $1 million to $3 million is where we can help because that’s when the taxes really start affecting your retirement income and taking more of your money than you had planned.What if I have more than $3 million - is it still worth working with Retire Golden on a strategic solution for me?
Absolutely. $1 million and above is where the experts that Retire Golden works with really start to shine, even beyond retirement planning: think business planning to transfer the sale of a business from one generation to another, and other unique situations.
There has to be a catch. What is it?
The catch is this: you have to be committed to spend a little time to focus on your retirement and build a plan. Retire Golden defines retirement success as having sufficient income to do what you want, when you want, plus having adequate healthcare once you leave the working world.
Many people wind up in a tough spot because they failed to plan for retirement early enough. How do we define “tough spot?” Having to take out a reverse mortgage on your home to pay your bills, moving in with your adult children, or even sharing a home with 2 - 3 other families to share in living expenses and stretch your money as far as you possibly can.
There’s definitely a better way, and the key is to be intentional and start early with your retirement planning.How does Retire Golden make money?
Imagine planning a big vacation. You could spend hours, or even days, searching for the best deals on flights, hotels and activities, comparing prices and services across countless websites and still not be sure if you've found the best option. Or, you could go to a travel agent. The travel agent listens to what you need, understands your preferences, and then uses his/her knowledge and connections to find you the best vacation package that fits your budget and dreams.
In a similar way, our service works like that travel agent for your retirement lifestyle goals. We learn more about your financial situation and your retirement goals, and we connect you with the right experts who are qualified to handle your unique situation.
Just as a travel agent gets paid commissions by airlines and hotels for bringing them business, the experts we connect you with compensate us. This way, our interests are perfectly aligned: we only succeed when we find the perfect match that benefits you. This model ensures that we're always motivated to connect you with the best possible solutions.How does this process work?
If you’re interested in how Retire Golden might be able to help you, you can schedule a 15-minute, no-pressure phone call that will allow you to ask as many questions as you’d like and will allow us to learn more about your situation and retirement goals.
If we can help, we’ll then align you with an expert that can help with your specific situation. If we aren’t the right fit for you, not a problem. We’re glad you took the time to visit with us.Where do I have to live to work with Retire Golden?
Retire Golden focuses on solutions for individuals that live in the United States.
Who’s behind Retire Golden?
My name is Bobby Myers and I live in the Tulsa, Oklahoma area. I may not look like your stereotypical tailored-suit, classic-leather-loafers financial advisor, and that’s because I’m not one.
I come from a blue-collar family. Jeans, boots and a ball cap is how you’ll find me 95% of the time.
That’s an excavator in the picture behind me. I did dirt work and civil construction for many years after I was honorably discharged from the United States Marine Corps.
In 2016, my 87-year-old grandmother moved in with me, my wife and my 2-year-old son. She had dementia and could no longer live on her own. I wasn’t even 40 years old yet and was 100% responsible for her well-being, including her healthcare decisions, investments and finances.
I quickly learned that most advisors and life insurance agents don’t fully understand how to set up solutions that maximize retirement savings and minimize taxes. And most push products and services that benefit themselves and not their customers.
My situation forced me to dig in and learn. My experience working through those challenges inspired me to help others navigate - and hopefully altogether avoid - the same challenges I faced. That’s exactly what I’m here for.
Interested, but skeptical?
We understand. That’s why we offer a 15-minute, no-pressure phone call with Bobby. He won’t sales pitch you. This call is your opportunity to ask him anything about Retire Golden and the solutions we offer.
Set up your free 15-minute phone call to ask whatever you’d like to ask. If you’re interested in learning more about our solutions after you talk to Bobby, he’ll cover next steps. If you aren’t, no problem! We’re glad you took a few minutes to learn more.