"When stress tested... nearly every traditional retirement plan FAILS to safeguard against the top 10 financial risks in retirement."*
*Said about plans clients and potential clients bring to us
From: The Desk of Dave Hall CPA, PFS
Subject: The Hidden Risks Inside Most Retirement Plans...
And The Secret To Actually Building A Successful Retirement Plan That Let's You Sleep At Night.
The Conversation That Made Me Question Everything I Thought I Knew About Retirement...
"You made a lot of money over your career. Why are you not retired?" I asked my client sitting across from me in my simple office.
"That's a sad story," said Bill (name changed for privacy reasons).
"Only a couple of years ago I was ready to retire. My wife and I were very excited, but when I went to officially resign executives encouraged me to stay just a little bit longer.
Trusting they had my best interest at heart I decided to stay, only to watch my company stock tank over night. With it went most of my retirement funds and any hopes of quitting work soon."
I could see the tears welling up in his eyes, it was clear he was devastated.
This man had dedicated his whole life to taking care of him and his family, and one wrong move left him high and dry at the worst possible time.
Unfortunately, Bill wasn't the only one I saw wronged by traditional retirement plans.
Over the next few years I saw all sorts of clients struggling to retire or stay retired.
The tragedies felt endless...
- Running out of money because taxes took more than expected,
- Picking up part time jobs because inflation outpaced investments
- Extending retirement dates because investments weren't diverse enough
- Early downsizing because social security benefits weren't maximized
The list just went on.
Quickly I realized I couldn't trust that traditional retirement planning would provide for my wife and I.
That's when I got a bright idea!
...or so I thought.
I Thought I Had FINALLY
Solved the Retirement Problem...
Seeing that traditional retirement plans were too risky I decided to take matters into my own hands.
Having had an entrepreneurial spirit most of my life I started investing my time, energy, and money into businesses for my family's future.
And it worked!!!
It was a difficult process, but I was giving my family a good life.
My kids and wife were happy.
I felt like I had made it...
If only I could see the house of cards I was building for what it was.
My countdown clock was running, but little did I know how fast it was going.
Seemingly overnight my world was turned upside down...
(Over the years I've run 17+ businesses, Above are a couple of pictures from a convenient store and toy business I ran.)
(My Family In The Early Years)
See, my family has a history of a disease called polycystic kidneys.
If you don't know what that is basically it means your kidneys slowly fill with lots of cysts until they completely stop working.
Because the disease sets in over a long time, slowing it until you can get a donor replacement is a very possible reality.
Thanks to God and a very generous friend, that process was quite short for me.
Within a year of finding out I would need to go onto dialysis to stay alive,
I was on the operating table receiving a kidney to keep me going.
A couple of hours later I was in recovery.
All was well...
Until the second doctor (a respected friend still to this day) asked if he could double check the surgery.
I said yes and he took me back in.
When I came back out and to, I was in extreme pain!
I seriously thought I was going to die...
The panic was real...
I didn't think I was going to make it!
Thankfully I did,
But the rest of my recovery was much slower.
During it I had lots of time to think.
All I could think about though was, "How was my family going to provide for themselves if I didn't make it out?"
We had the needed money and assets to live a good life...
BUT NOBODY KNEW HOW TO GET TO MOST OF IT!
So much was tied up in businesses,
It would take ME years to get my money out of all of them,
There was absolutely no way my wife, who spent most of our life together in the home raising our wonderful children, would have ANY idea where to start or if she was getting what she should from it all.
I realized while I had resolved one issue, I had turned around and created another.
That's when I got to work...
(In the hospital for my transplant, tried to keep spirits high afterwards with a funny costume)
I Became OBSESSED With Finding
A Safer Way To Plan For Retirement
Over the course of the next 2 years I researched, tested, and built models for retirement for myself.
Around the same time I started educating other accountants on various topics.
It was through this I realized all of them were asking for the exact thing I was building for myself...
A method to plan for retirement that protected you against risks, but was still simple enough to carry out (even for their spouse who hardly touched the finances).
Realizing this my desire to help those struggling like myself motivated me to transition from doing accounting work to doing retirement planning for accountants.
(I quickly became the top educator on CPA Academy, that time educating gave me a lot of information on what accountants and their spouses were looking for)
After Years Of Trial And Error…
A Better Solution Exists!
Obviously, it didn't all change overnight.
Boy sometimes I wanted it to though.
Like any movement, we've had (and imagine we'll still have) our share of growing pains.
Today though we've built Retirement Risk Advisors.
A team of advisors that specializes in family office risk-based retirement planning.
What does that mean?
It means we not only have the expertise, but also the needed licenses to help you manage and plan for almost every need you'll have in retirement.
It means you can get a retirement plan that actually addresses your financial risks and is also simple to follow.
You can say goodbye to...
- Burning countless hours studying each topic and risk like I did,
- Spending tens if not hundreds of thousands of dollars on complex softwares to do all of the calculations you need.
- Stressing if your spouse will be ok after you pass when they don't even want to touch the finances now.
Instead you can work with our team to have more control over your finances while being less involved in them.
We'll do all of the hard work all year round, and you can reap the reward of working with an expert team that gets results.
We Handle The Work… You Enjoy Retirement!
What It Looks Like To Have A Team Managing Your Retirement
Signing on with us is like hiring a team of highly specialized live-in house keepers to take care of all your retirement needs.
Like a good live-in house keeper, you trust us with keys and full access to your estate.
In this case that means transferring all of your investment accounts to us to manage.
In return we work as responsible stewards to keep your estate pristine, take care of the chores you don't want to, and make sure it's prepared for whatever special event is coming up.
For your retirement that looks like the following...
- Continuous management of invested assets
- Building and maintaining a risk based retirement plan
- In depth tax planning
- Special access to private investments
- Estate Planning
- Legacy Planning
- And 14 other major services performed for you year round.
Yes, I said year round, and this is how it plays out.
Like a good estate keeper we do all of the work behind the scenes for you while you reap the benefits of showing off to your friends and family your amazing estate.
Our year round service is broken up into 4 major seasons
Each season we take 6 key services and proactively fine tune your retirement to optimize your risk protection.
Just like you would do a deep cleaning in the spring to make the most of the summer with your estate,
Or like throwing up Christmas decorations in the days between Thanksgiving and December 1st to both maximize their time up, but not over run their welcome...
Similarly, we proactively perform the 6 key services of each season during their respective season so you can reap 3 major benefits.
- Benefit 1: Everything is done orderly so nothing falls through the cracks.
- Benefit 2: Everything is done proactively so you're not spending time reactively cleaning up messes.
- Benefit 3: Like the Christmas decorations nothing is done too early that it loses it's effectiveness.
Important Note: Some worry that by letting us manage their assets they’ll lose control, but the opposite is true. Like an estate owner and housekeeper, we’re given access and responsibility, but you always have the final say. No major decisions are made without your approval, and ultimately you control how your money is used.
With that you get 3 means of access to us.
1st
Quarterly Meetings
Each season we reach out to you to schedule a one-on-one to discuss major updates and catch up with you on how everything is going.
2nd
Year Round Updates
We reach out 24 times throughout the year giving updates on what we're working on, relaying major changes (good or bad) you should be aware of, and to communicate with you on any additional information we need.
This communication comes through a variety of emails, physical mail, and calls.
3rd
Emergency Team Access
This means you can reach out to us anytime throughout the year and schedule additional meetings at NO ADDITIONAL COST to you.
Have something unexpected happen that you're concerned affects your plan?
No worries, we make it easy to schedule meetings with us and get in touch so we can get everything taken care of A.S.A.P.
Here's a Look at the Difference of,
Risk-Based Retirement Planning
Problems Not Covered By Traditional Retirement Planning
- Retirement is exposed to tax risk
- Is Left vulnerable to stock market crashes
- Relies too heavily on Social Security
- Hoping and praying saved nest egg will be enough
- Constantly have to check worrying what is going wrong.
- Way too complex for spouses who don't do a lot with the finances
What Our Risk-Based Retirement Planning Family Office Solves
- Greatly minimizes tax burden
- Doesn't fall apart if markets crash
- Diversifies income and relieves stress when Social Security isn't enough
- Eliminates guessing if nest egg is large enough
- Backed by a team that works proactively year round and keeps you in the loop so you can master your retirement while spending less time in your finances.
- Simple enough to follow even a senile spouse with limited financial knowledge can follow
A few Of Our Success Stories
What's required of you to join
& How much does it cost you?
While the work we do is complicated, we strive to make it simple for you.
In order to work with us we require 3 things from you.
1st - That you are honest about your finances, we can't accurately plan for risks if you are hiding information from us.
2nd - That you transfer control of all investment accounts to us, we can't properly manage risk with another advisor involved.
3rd - You give us 4 hours of your time (spread over 4 meetings) in the first month to properly onboard you into our system and set up your initial plan.
In return we will act as good stewards over your finances by
- Building you a complete and dynamic retirement plan.
- Begin and continue our main 20 seasonal services for you.
Including but not limited to:
• Investment management,
• Tax planning,
• Estate planning,
• Long-term care planning
- Work year round behind the scenes and keep you updated through our year round updates.
And we'll do this for only a
3%-5%
(the typical family office fee)
1.1%
Asset Management Fee*
* 1 Million Dollars In Manageable Investable Assets Are Required for this price
+ Instantly Save
$2,495
Planning Fee**
When you sign up in the first two weeks.
**Fee is only waived if engagement letter is signed within 2 weeks of it being sent.
Standard advisors that only manage your money will generally charge you 1-1.5%
My Fiduciary Guarantee & Promise As A Father
My family currently. As both a father and a grandfather I know how important it is to keep promises.
If you've worked with financial advisors before you may know this,
But if you haven't you'll learn Promises, Guarantees, and Warranties are not made often or lightly.
Why?
Because the financial world is a highly regulated one, as it should be.
So to stay out of trouble most in the industry will shy away from using the words at all.
Not us though.
Yes, there are things like specific returns, income claims, or profit guarantees we can't and won't ever promise or guarantee you (and frankly if any advisor ever does you should run as far away from them as possible).
However, there are a lot of things we do that are in our control we can promise you.
First, we promise to act with our fiduciary responsibility in your planning.
That means we'll put your interests first, be careful with your money, and tell you the truth of what's really happening.
Second, we promise when you work with us we'll work for you all year round to implement, monitor, and/or reevaluate your planning.
Third, we promise to keep you well informed on where we are in the process for you, how your plan is doing, and what you should be doing next.
You can rest easy knowing you're working with a team that cares as much about your retirement as we do.
TLDR
CONTACT US
1309 Coffeen Avenue, Suite 3851, Sheridan, WY 82801
Email: support@retirementriskadvisors.com
Toll free: 1 (855) 491-0400
Text us at: 1 (307) 264-2902
CONTACT US
1309 Coffeen Avenue, Suite 3851, Sheridan, WY 82801
Email: support@retirementriskadvisors.com
Toll free: 1 (855) 491-0400
Text us at: 1 (307) 264-2902
RETIREMENT PLANNING
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© COPYRIGHT 2025 RETIREMENT RISK ADVISORS. ALL RIGHTS RESERVED.