The Relaxing Retirement Coaching Program

Over the last 24 years of intense study and hands-on work with hundreds of individuals and couples who now confidently continue their same (or better) lifestyle in their retirement years, what I have witnessed is that when you’ve reached The Employment Dependency Threshold, it doesn’t matter how much money you’ve accumulated. The concept of no longer receiving a paycheck from the work you do to support your lifestyle is always foreign and unsettling!
“In short, this is not a program that caters to the masses with a ‘cookie-cutter’, one-size fits all approach that is so common at large institutions. This is a personalized, one-on-one retirement coaching relationship with constant attention to each and every detail necessary for you to consistently enjoy a relaxing retirement experience.”

Don’t you find that to be true? Deep down, you’re just not 100% convinced that you have enough, and you fear that you could run out of money some day, especially in these volatile times we’re living through. So, you end up working longer than you “need” to because you feel you have to.

Or, you end up “pulling your punches” and spending much more cautiously than you want to.

The end result is that you’re not enjoying life as much as you could and as much as you deserve to. There’s a lot that you’re missing out on.

To conquer this feeling and live your life the way you’ve always pictured requires a completely different mindset, and an abundance of financial confidence. And, that’s what The Relaxing Retirement Coaching Program is all about.

I have to admit that I take real pleasure in seeing “the light bulb” go on in our Relaxing Retirement Members’ minds when they “flip the switch” and liberate the money that they’ve worked so hard their entire lives to save. When they get rid of all of the fear that has held them back from living the life they’ve always dreamed of, and doing the things that they’ve always wanted to do.

To see their confidence level become immune to the “crisis du jour” splattered all over the news, and the confusion of the financial services industry, choose to work if they want to, spend more quality time with their families without being ‘pre-occupied’, and take vacations to places they never thought they could experience is truly a ‘rush’ for me.

This didn’t happen for them by accident. Each Relaxing Retirement Member has their own custom tailored Retirement Blueprint which takes into account each of their priorities in every aspect of their lives, not just their investments.

Blueprint First…Implementation Second

Think about the task of building a house from the ground up. You can’t begin the process by discussing what type of kitchen countertop you want, or what color carpeting you’d like in your master bedroom.

You have to take a step back first and carefully think and prioritize where you’d like the house to be, what kind of layout you want, where will you spend most of your time, how many bedrooms you need, closet and storage space, etc.

And, last but not least, how much money you’re willing to spend on your house.

The same is true for your finances at this unique stage in your life. Before you can begin to take the steps necessary to put yourself on track, especially the positioning your investments, you’ve got to be crystal clear on the investment rate of return you must earn in order to maintain the lifestyle you want without running out of money.

If you’re not crystal clear on the rate of return you must earn, you may be subjecting yourself to too much risk, volatility, and potential losses because you’re being more aggressive than you need to be. Or, you may run out of money too soon because your investments aren’t keeping pace with inflation.

One of the main goals of our program is to have you experience less investment volatility while still earning the rate of return you need to earn in order for you to do everything you’ve ever wanted to do without running out of money.

To do that, you can’t just casually and randomly select investments. To do this right, you have to take a step back and create a Retirement Blueprint.

The Retirement Blueprint Development Program

In The Retirement Blueprint Development Program, we use a seven-step process to meticulously create your custom designed Retirement Blueprint. Utilizing all of the relevant personal information you’ve provided in The Retirement Confidence Preparation System, your Retirement Blueprint answers questions like:


  • How much can we afford to spend without running out of money?
  • What rate of return do our investments need to earn in order to keep pace with inflation?
  • Specifically how do we position and allocate our investments to earn the rate of return we need while reducing volatility and income taxes?
  • Where will our income come from? Which accounts should we draw from first?
  • How can we reduce or eliminate our income taxes?
  • Can we afford to buy a vacation home down South or out West to avoid these harsh New England winters?
  • What is the most cost effective way to protect ourselves and manage all of the risks we face, like a long term illness, property loss, or a lawsuit?
  • What steps should I take to make sure that my spouse will be OK if I’m not here?
  • How can we make sure that everything we’ve worked so hard for all of our lives goes to who we want with the massive delays and cost of probate fees and estate taxes?

Once created, your Retirement Blueprint becomes the foundation for all current and future financial decisions so that you’re not just randomly making impulsive decisions.

You will receive a step-by-step Action Plan with a list of specific recommendations for you to implement in order to reach all of your goals that you’ve prioritized during our meetings.

The Retirement Coach Investment Endurance Program

Once your Retirement Blueprint has been meticulously crafted, the next step is to carefully select investments to implement your custom-designed Investment Volatility Regulator model, track their performance, and stick to a disciplined investment strategy in the face of a volatile and ever-changing market.

Given the enormity of what’s at stake, one of the challenges many people have during their “Retirement Stage” of life is having the interest, the time, the experience, the expertise, and, most importantly, the discipline to manage their own investments, while remaining confident that they’re not making a costly mistake or missing out on profitable opportunities.

The overriding goal of The Retirement Coach Investment Endurance Program is to provide you with investment results in line with your goals of maintaining the exact lifestyle you desire, and to avoid the market pitfalls and investment mistakes that can undermine your long-term success.

Because we are a completely independent advisory firm, and have no ties to any particular investment company, we utilize that freedom to perform an exhaustive, in-depth fundamental analysis of thousands of investment opportunities in various categories for you.

Several times a year, during pre-scheduled, one-on-one Retirement Coaching Meetings (either at our office or on the telephone), your goals and priorities are revisited, performance (in relation to those goals) is objectively evaluated, and adjustments are made, if necessary.

At these meetings, in addition to receiving a consolidated, “easy-to-read” performance report for all of your investments, you will receive recommendations, if necessary, to maintain disciplined diversification and risk control, and to take advantage of new investment opportunities.

This provides a ‘pressure free’ environment for each of our Relaxing Retirement Coaching Program Members where they can go about doing what they want to do without being ‘pre-occupied’ that they’re “missing something” that they should be doing. They know that we’ll be meeting again in 90 days or so to review a complete snapshot of where they were, where they are now, and what changes are needed (if any).

This helps you maintain your confidence by insuring that you remain on the right track despite any changes which otherwise may have taken you off course.

While it is not legal to guarantee you a certain investment rate of return, and no advisor can do that, we do guarantee our performance as your Retirement Coach.

I provide all of our Members with The Relaxing Retirement Coach Guarantee.

The Relaxing Retirement Coach Guarantee

At any time during the first 12 months of working with us, if you don’t feel our relationship is working, for any reason at all, we will refund 100% of everything you’ve paid us.

This motivates me to only accept members who are serious about their future, who want to establish a long-term relationship with us and our program, and with whom I feel there is a fit.

In short, this is not a program that caters to the masses with a ‘cookie-cutter’, one-size fits all approach that is so common at large institutions.

This is a personalized, one-on-one retirement coaching relationship with constant attention to each and every detail necessary for you to consistently enjoy a relaxing retirement experience.