Most folks spend thirty or forty years working hard, saving every penny they can, and following the “rules” of the financial industry. You’re told to put your money in a 401k or an IRA, pick a few mutual funds, and then just cross your fingers. They call it “buy and hold,” but if we’re being honest, it feels a lot more like “buy and hope.” You hope the market doesn’t crash the year you decide to stop working. You hope your advisor actually knows what he’s doing. And you hope you don’t run out of money before you run out of life. Andrew Winnett saw the flaw in this system firsthand back in 2008. While the market was tanking, he watched an advisor run around like a chicken with his head cut off, totally clueless on how to protect his clients. That was the day the Retirement Renegade spirit was born.
When you hit that “red zone” of retirement—the few years before and after you stop working—the game changes. You don’t have another twenty years to wait for a market recovery. You need certainty. You need a plan that doesn’t rely on the whims of Wall Street. At Retirement Renegade, we believe the underdog retiree deserves better than a “maybe.” You deserve a retirement income plan that is built on contractual guarantees rather than market possibilities. We’re here to be the protective rebels who show you how to fight back against a system that’s designed to leave you vulnerable.
Why Traditional Advisor Fees are a Silent Killer
One of the biggest injustices in the financial world is the “AUM” model. That stands for Assets Under Management, but it might as well stand for “Always Under Maintenance” fees. Most advisors take a percentage of your total nest egg every single year, regardless of whether they actually made you any money. Andrew Winnett’s mother, a stay-at-home mom for two decades, saw her modest investments eaten alive by these silent fees after his father passed away at just 45. She was forced back into the workforce for minimum wage because the “experts” were getting paid while her account was shrinking. It’s a story that happens all too often, and it’s why we’ve made it our mission to prioritize family-oriented trust over cold, institutional numbers.
That’s why we do things differently. We offer a No Advisor Fee Guarantee. We aren’t paid by your portfolio; we’re paid by the providers. This means we can focus entirely on your protection without having our hand in your pocket. We look at over 75 institutions and 1,200 products to find the “hybrid contractual products” that actually work for you. These tools provide zero market risk. When the market drops, you don’t lose a penny. It’s about creating a “Safe Income Strategy” where you know exactly what’s coming in every month, no matter what’s happening in Washington or on the news. We believe that if you aren’t making money, your advisor shouldn’t be either.
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The Looming Storm and Your Legacy
We’re currently facing a “looming storm” of tax hikes, inflation, and potential changes to Social Security. If your plan is just to “ride it out,” you’re taking a massive risk with your legacy. A true “Relationship Sit-Down” involves looking at the whole picture. We don’t just look at the numbers on a screen. We look at your family, your health, and your peace of mind. We use books, films, and “movie sessions” to empower you to understand these threats. We aren’t salesmen; we’re educational guides who want you to retire with more than just your dignity.
Part of that protection involves a guaranteed monthly paycheck strategy that covers your lifestyle and your future care. Many of the products we use even include free Long-Term Care coverage. This ensures that if you get sick, you don’t drain the inheritance you spent a lifetime building for your kids. We prioritize trust because we know that retirement isn’t just about a bank balance. It’s about the people you love. Using a proven Retirement Renegade income approach means building a fortress around your family’s future. We want you to be the hero of your own story, not a victim of a market downturn that you had no control over.
Building a Battle-Tested Plan
Being a renegade means questioning the status quo. It means refusing to accept that losing money is just “part of the process.” We believe that once you reach retirement, principal protection is the only goal that matters. We don’t chase the highest possible returns if it means risking the money you need to survive. Instead, we favor contractual income that is battle-tested against market volatility. We want you to sleep soundly at night knowing your “Safe Income Strategy” is locked in. We’ve seen too many folks lose half their savings right when they needed it most. We won’t let that happen to you.
The financial industry loves to use “possibilities” to sell you on a dream. They show you charts of what could happen if everything goes perfectly. But life rarely goes perfectly. You need a plan for when things go wrong. You need a plan for when the market is red for three years in a row. Our approach is about stripping away the “sleaze” of traditional sales and replacing it with hard, contractual guarantees. If it isn’t in writing, it isn’t a plan.
The Power of Independence in Retirement
Because we aren’t tied to any single insurance company or bank, we have the freedom to be honest with you. We don’t have a boss at a home office telling us which product to push this month. Our only boss is you. We take that responsibility seriously. When we sit down for our first meeting, we’re looking for a relationship, not a transaction. We want to know what makes you tick. We want to know what you’re worried about when you lay your head down at night.
For many, that worry is the “silent partner” of the IRS. Tax planning is a huge part of a successful retirement. If you’ve spent your life putting money into tax-deferred accounts, you have a massive tax bill waiting for you in the future. We help you navigate that minefield so you can keep more of what you earned. It’s all part of the “Multi-Dimensional Approach” that sets the renegade way apart from the cold, institutional firms on every street corner. We fight for the underdog because we were the underdog once too.
Why Speed and Certainty Matter
When you stop working, your “paycheck” becomes your responsibility. You can’t wait for a board of directors to decide if you’re going to get a raise or a bonus. You need to know that the money will be in your account on the first of the month, every month, for as long as you live. That is the power of a contractual guarantee. It removes the guesswork. It removes the stress. It allows you to actually enjoy the retirement you’ve worked so hard for.
We’ve seen folks who were so stressed about the market that they couldn’t even enjoy their vacations. They were checking their phones at the dinner table to see what the S&P 500 was doing. That isn’t a retirement. That’s a second job that pays you in anxiety. We want to fire you from that job. We want to replace that anxiety with the confidence that comes from a battle-tested strategy. We’ve done the research, we’ve found the products, and we’ve built the system to protect you.
Your Next Move Toward Freedom
Don’t let the financial industry treat your life savings like a gamble. You’ve worked too hard to leave your future to chance. It’s time to sit down with someone who treats you like an underdog worth fighting for, not just another account number. We aren’t here to give you a sales pitch. We’re here to give you an education. Whether it’s through our books, our films, or a personal sit-down, we want you to have the tools to make the right choice for your family.
The “looming storm” is already on the horizon. Don’t wait until the rain starts falling to find out your roof has a hole in it. Let’s build a plan that lets you enjoy your retirement without the constant “what if” hanging over your head. You’ve earned the right to relax. We’re here to make sure you can do exactly that. Retire with more than just your dignity. Retire with the knowledge that you’re protected, no matter what happens next.
