Client Stories

Kathy and Michael

Kathy and Michael truly inspired me to apply my mathematical and scientific skills to simulate their financial planning options and find ways to protect retirement funds. After over 40 years of hard work in the oil and gas industry, Kathy and Michael were more than ready to retire. While they were understandably cautious about entrusting someone with their finances, they felt confident in my abilities thanks to a longstanding recommendation from their chiropractor.

I deeply value the trust they placed in me, and our conversations were warm and personable. Kathy and Michael recognized my knack to use the Retirement Analyzer Simulator TM which allowed us envisioning long-term, strategic plans that would not only support their health and financial goals in retirement but also help them build a lasting legacy.

I helped them identify the best health insurance option: traditional Medicare, along with a Medicare supplement (or “Medigap insurance”). This allowed them to transition into full-time retirement with peace of mind about their medical needs. Then came the emergence of COVID-19, but thankfully, the plan we established covered 100% of their care. Their satisfaction with the coverage further solidified their trust in my guidance.

I told them, “Let’s live your best life now from age 65 to 75!” And I meant every word.

Chirvone

Chirvone approached me with concerns about her healthcare coverage. She had witnessed a family member struggle to obtain proper medical care due to poor medical insurance decisions, and she was determined not to face the same fate. After exploring various options, we found a solution that provided her with Original Medicare with an supplement insurance protection.

As we built our relationship, Chirvone revealed that she also needed help protecting her retirement assets. As a single woman responsible for her own financial well-being, she wanted to ensure her hard-earned money wouldn’t simply vanish—after all, who wouldn’t?

I admire Chirvone for her dedication in accumulating substantial assets before retirement. She is an independent woman with a strong financial acumen, someone others can look up to. Through life’s ups and downs, she secured a robust Social Security benefit, paid off her home, and built a well-funded 401(k), establishing a solid financial foundation. However, she felt lost regarding what the administrators were doing with her money—it all seemed like rocket science to her!

Chirvone shared her goals with me, and I proposed a holistic approach using our Retirement Analyzer Simulator TM to her retirement planning. Leveraging my extensive support network, I connected her with top experts in areas requiring specialized knowledge—because even rocket scientists have their limits. With this comprehensive strategy, we upheld Chirvone’s core values.

One of her priorities was to express gratitude to her son, who had become the primary caregiver for his ailing father. We arranged for a cash inheritance as part of her legacy, allocating one-third of her nest egg to ensure it continued growing until her son’s retirement.

I left Chirvone with a legacy that bears her name and the freedom to enjoy her life. She now enjoys the same peace of mind that I achieved by saving and carefully managing significant assets.

Lorraine and Glynn

Lorraine and Glynn’s journey resonated deeply with my own experience: both of us navigating the complexities of preserving health and investment strategies for a successful retirement. We first connected several years ago in the BNI community, where I earned their trust through effective leadership—having been voted president of our group—as well as through prudent financial investments and a strong commitment to family.

Today, we have established a comprehensive plan that guarantees them lifelong medical coverage, allowing them to access top-notch care at the current original Medicare with a supplement.

Now, they are truly ready to retire! We’re currently deploying the Retirement Analyzer Simulator™ to model their resources and determine how long their money will last. Next, we’ll create various financial scenarios to plan for pre- and post-retirement needs, including required minimum distributions (RMDs), long-term care options, and life insurance to leave a legacy for their son. All of these insights will be generated through the Retirement Analyzer Simulator™. We look forward to ensuring that their retirement lasts for the rest of their lives.

Cherokee and Francisco

When I think of Cherokee and Francisco, I am reminded of my time at Ameritech and the importance of having a contingency plan for unforeseen medial disruptions. Honestly, I feel that they were sent to me as an opportunity to make amends for that employees I laid off without providing adequate medial insurance; she was uninsurance due to a rare medical condition.

Let me explain: Francisco came to me facing a severe health crisis that left him unable to work, despite relying heavily on his company’s group insurance. He was in the midst of a seven-year journey with kidney disease. We provide the original Medicare with an unique supplement (or medigap) plan with unlimited preventive benefits.

“Just give me the income I had before, for the next ten years, so I can live a good life,” he told me.

Fortunately, after working for over forty years, Francisco had accumulated several hundred thousand dollars in retirement savings. I utilized our Retirement Analyzer Simulator™ to develop a comprehensive asset protection strategy for him, which included an annuity to secure guaranteed income. This, along with his Social Security benefits, would allow him to maintain his lifestyle. The rest of his funds were allocated for healthcare needs. Years later, he remains in good health, and his ongoing dialysis care is fully covered by our Original Medicare with a supplement (or Medigap) plan.

Cherokee, his wife, had a smaller retirement fund but had still managed to accumulate five figures in each of her accounts. Tempted to cash out her savings to give to her children, she was on the verge of a decision that could jeopardize her financial future. Using the Retirement Analyzer Simulator™, we strongly advised against it, explaining that cashing out her 401(k) could leave her without resources for the rest of her life. Instead, we created an asset protection plan that included five-figure annuities for her. To this day, she expresses her gratitude for my intervention in helping her preserve her savings.

Cherokee and Francisco represent one of my greatest successes. They remind me of an employee I couldn’t adequately support during my time at Ameritech. However, I ensured that Cherokee and Francisco were well-prepared for the next ten years. This experience has offered me a chance for redemption for those I couldn’t assist in my corporate life. I continue to manage their retirement plan and provide guidance to help keep their stress levels as low as possible.