Most people don’t think of themselves as “underdogs,” but if you’re a retiree in today’s economy, that is exactly what you are. You’re fighting against a financial industry that wants your fees, a government that wants your taxes, and a market that is more volatile than ever before. It’s a lot to handle, especially when you’re just trying to enjoy the fruits of your labor after forty years of punching the clock. Andrew Winnett founded Retirement Renegade because he saw that the average senior was being left behind by the big institutions. He saw advisors who didn’t have a plan for the “downside” and mothers who were forced back to work because they weren’t protected from market risk or silent fees.
The “Renegade” way is about shifting the power back to you. It’s about moving away from the “possibilities” that Wall Street sells and moving toward the “guarantees” that your family actually needs to survive. A proper retirement income plan shouldn’t be a mystery or a stack of papers you can’t understand. It should be a clear, written roadmap that tells you exactly how much you can spend every month and how much you will have left for your heirs. We don’t believe in corporate fluff or high-pressure sales tactics. We believe in education, trust, and protecting every single penny of your principal.
Guarantees Over Possibilities: The New Rule of Retirement
The old rule of the working years was to grow your money as much as possible, regardless of the risk. The new rule, the renegade rule for retirees, is to never lose a penny of your principal to a market crash. When you enter the “red zone” of retirement—those years just before and after you stop working—you don’t have time to recover from a 20% or 30% loss. That kind of drop doesn’t just hurt your feelings; it can effectively end your retirement dreams and force you back into the workforce. Andrew Winnett decided after the 2008 crash that he would never let a client face that kind of devastation again. He discovered “hybrid contractual products” that offer the best of both worlds: growth when things are good and total protection when things are bad.
By using a contractual retirement income strategy, you’re essentially buying an insurance policy for your lifestyle. You get a guaranteed paycheck every month that you can never outlive, no matter how long you reside on this earth. It’s like having your own private pension, but you’re the one in control, not some faceless corporation. This is the core of our “Safe Income Strategy.” We want to make sure you don’t run out of money before you run out of life. We also look at things like free Long-Term Care coverage because we know that a single health crisis can wipe out decades of savings if you aren’t prepared. Being a “Protective Rebel” means planning for the “what ifs” so you can enjoy the “what is.”
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The “Silent” Killers: Fees and Taxes
One of the biggest threats to your retirement isn’t actually the stock market—it’s the “silent killers” of advisor fees and rising taxes. Most folks are paying an AUM (Assets Under Management) fee that eats away at their growth every single year, even when their account is losing value. We think that is an injustice that needs to be called out. We offer a No Advisor Fee Guarantee because we are paid by the institutions, not by you. This keeps us on the same side of the table. If we don’t find a solution that protects you, we don’t get paid. It’s that simple.
We are also constantly looking at the “looming storm” of tax hikes. If most of your money is sitting in a traditional IRA or 401k, you have a “silent partner” in the IRS that can raise their share of your savings whenever they feel like it. A true “Relationship Sit-Down” involves a “Multi-Dimensional Approach” to tax planning. We want to help you move your money into positions where it’s protected from the IRS and the probate courts. It’s all part of the Retirement Renegade mission for senior security. We aren’t just looking at your stocks; we’re looking at your legacy and your family’s future. We treat your money with the same care we’d treat our own parents’ savings because, for us, this isn’t just business—it’s a personal promise built on Andrew’s own family history.
The Power of the Relationship Sit-Down
We’ve all been to those financial seminars where they feed you a steak dinner and then try to sell you a product before you’ve even finished your dessert. That isn’t how we operate. We believe in the “Relationship Sit-Down,” where we listen first and talk second. We want to know about your kids, your grandkids, and what you want your legacy to be. We use books, films, and “movie sessions” to make these complex topics easy to understand. We aren’t here to impress you with big words; we’re here to empower you with big results.
Independence is our greatest strength. Because we aren’t tied to any one company, we can shop the entire market of 75+ institutions and 1,200 products to find the one that fits you. Most “big bank” advisors are limited to what their home office tells them to sell. That’s not advice; that’s a sales quota. We work for the underdog, which means we work for you. We help you find the “Safe Income Strategy” that lets you fire your advisor and their high fees for good.
Retiring With More Than Just Your Dignity
At the end of the day, retirement is about one thing: freedom. It’s the freedom to wake up and do whatever you want without worrying about what the Dow Jones did overnight. But you can’t have true freedom without certainty. You can’t have freedom if you’re constantly wondering if your money is going to last. Being a “Protective Rebel” means taking the necessary steps today to ensure that your tomorrow is secure. It means refusing to accept the “buy and hold” gamble that the rest of the industry is pushing.
Don’t let a traditional advisor gamble with your future. You’ve worked too hard to leave your lifestyle to chance. Andrew Winnett and the team at Retirement Renegade are here to help you navigate the storm and come out the other side with your principal intact and your income guaranteed. 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 and stop worrying about the market. We’re here to make sure you can do exactly that. It’s time to retire with more than just your dignity; it’s time to retire with a fortress around your future.
Why You Can’t Afford to Wait
The “looming storm” isn’t ten years away; the clouds are already gathering. With the national debt at record highs and tax laws set to sunset, the window to protect your assets is closing. If you wait until the market crashes or taxes spike to make a move, you’ve waited too long. The best time to fix a leaky roof is when the sun is shining, and the best time to secure your retirement income is right now.
We invite you to join the rebellion. Stop being a victim of the financial industry’s “status quo” and start being a renegade. Take control of your income, eliminate your unnecessary fees, and protect your family from the “silent killers” that are waiting to drain your estate. You’ve done the hard work of saving the money. Now, let us do the hard work of protecting it. Your family is worth the effort, and your peace of mind is worth the sit-down. Let’s make sure you don’t run out of money before you run out of life.
