Is your retirement planning facing these threats and missing out on opportunities? Retirement is a point in your life that doesn’t allow much, if any
room for error, you only get one shot at it. Our sole focus is helping retirees get it right. Our trademarked system is called The Independent
Income System.
What is the Independent Income System? It is our investment methodology that we use to help manage your financial future. There are three
parts to the Independent Income System- how to manage your money, how to protect your assets, and how to plan your estate.
Our system is innovative because we create a specific purpose for each of your investment accounts. This can help the investor try to avoid
risk and capture more opportunities.
Retirement is a one-time event; you can’t afford costly mistakes. That’s why we built the Independent Income System℠, a structured approach to help retirees make confident financial decisions.
What It Does:
Our system helps you:
Instead of treating all accounts the same, we assign a specific role to each investment, whether it’s for income, growth, or emergencies. This helps reduce risk, uncover opportunities, and create a reliable retirement strategy.
Is your retirement facing these threats and missing out on opportunities?
Retirement is a point in your life that doesn’t allow much, if any room for
error, you only get one shot at it. Our sole focus is helping retirees get it
right. Our trademarked system is called The Independent Income System.
What is the Independent Income System? It is our investment
methodology that we use to help manage your financial future. There are
three parts to the Independent Income System- how to manage your
money, how to protect your assets, and how to plan your estate. Our
system is innovative because we create a specific purpose for each of
your investment accounts. This can help the investor try to avoid risk and
capture more opportunities.
Opportunity: Investing in record high government i-bonds, leveraging lazy assets, and rotating into higher interest rates.
This helps avoid the common approach of just owning a bunch of investments and picking at them for retirement income. Many investors and advisors sell off investments a little each month or as needed to cover current income. The problem with this approach is as equity prices decline, more and more shares are sold to meet current needs, which accelerates the decline of the account value and can increase the risk of outliving the income. The Independent Income System helps address this common trap.
For Income Needs in the Next 5 Years
This bucket is for retirees needing income now or soon. Because markets can be unpredictable short-term, it focuses on conservative investments.
Selling stocks during a downturn can drain your account and increase the risk of running out of money.
Use high-yield government I-bonds
Put idle assets to work
Shift into higher-interest accounts
This bucket offers a structured income strategy to help avoid mistakes and preserve retirement savings.
Threat: Not protecting your minimum monthly income needs with protected income. Drawing Social Security at the wrong time. Not building in a plan to keep up with inflation.
Opportunity: Avoiding interest rate risk in bond funds with fixed investments.
Predictable and reliable income is important for peace of mind when it comes to having a comfortable retirement. Trying to make smart and calculated decisions with social security income, pensions, and accounts that provide more predictable income is the primary focus for this bucket of money.
According to the most recent numbers published by the Social Security Administration, nearly 70% of current retirees opt to start social security income before reaching full retirement age. This creates a lifetime income penalty for the family. The Independent Income System helps a family create a written retirement income plan to avoid this common mistake.
For Steady Income and Inflation Protection
This bucket ensures you have a predictable monthly income and a plan to keep up with rising costs.
Starting Social Security too early
Not securing protected income
Ignoring inflation in long-term planning
Use fixed investments to avoid bond fund risks
Make smart decisions with Social Security and pensions
Build a written income plan to avoid lifetime penalties
This bucket focuses on helping retirees maintain financial stability and avoid common income mistakes.
Threat: Not having circuit breakers on your accounts to try and avoid large market declines. Having excess buried in fees and expenses.
Opportunity: Knowing what you own.
Equities can be a great opportunity for growth for investors who have time on their side. If accounts have been created for current income, reliable income, and future pay raises, an investor may have more time on their side when it comes to investing in equities. We use defined investment approaches to pick our equity holdings and can even incorporate our circuit breaker technology for investors looking for an added layer of downside protection.
By using this approach in our Independent Income System, this can help eliminate the lottery of returns for the retiree hoping the stock market keeps going up each year to keep up with withdrawal needs and not having a backup plan if and when the market declines.
For Strategic Equity Growth with Risk Controls
This bucket is designed for investors who have time on their side and want to grow their wealth while managing downside risk.
No circuit breakers to limit losses during market downturns
Hidden fees and expenses eroding returns
Relying on market luck without a backup plan
Invest in equities with defined strategies
Know exactly what you own and why
Use circuit breaker technology for added protection
This one allows for growth-focused investing, without gambling on market performance. Our approach helps eliminate the “lottery of returns” and builds a resilient plan for long-term success.
Threat: Not having 6 months worth of living expenses set aside for an emergency. Not protecting your assets from a health care crisis.
Opportunity: Leveraging your assets to earn higher potential return than traditional fixed accounts. Getting long-term care protection, without buying traditional long-term care insurance.
Once an investor has an understanding of what each of their accounts or buckets are designed to do, the next question is, what can blow this up? Often, it is an unexcepted and unplanned health care crisis for a retiree. In our Independent Income System, we look for ways to leverage what are often considered “lazy” assets to help put a shield over the investment assets and to protect the income of the surviving spouse in the event of premature death.
How do we protect your assets? With Long-Term Care, do you have a plan in place? If not, the Life Leverage Plan can help put a plan for your loved ones for the future. Part of the estate planning process is to look at how much income the surviving spouse will have if the other spouse passes away. The planning starts by picking the correct pension option and having a plan in place to cover any shortfalls, such as a loss of one of the Social Security Incomes. Then we look at strategies to cover any potential gaps.
Protects your retirement from unexpected health or financial crises.
No emergency fund
No long-term care plan
Loss of income for the surviving spouse
Leverage idle assets for better returns
Get long-term care protection without traditional insurance
Use the Life Leverage Plan to cover income gaps and estate needs
This bucket acts as your financial safety net, shielding your assets and loved ones when life takes an unexpected turn.
To get started with your financial strategy, please complete the form.
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You’ve worked hard to build your wealth — now it’s time to protect it. Our complimentary Retirement TEAM Action Plan Review gives you clear strategies to safeguard what you’ve built and discover how to take your retirement from good to great.
Start protecting your retirement today — not tomorrow.
We collect your phone number through our contact information form, and with your consent we will send you text messages on a weekly basis if you’ve opted in. Reply STOP at any time to unsubscribe from text messages. We will never share your customer data with third parties for marketing or promotional purposes.
