Protect Your Retirement from Market Volatility
Welcome to the Institute of Financial Wellness Retirement Roadmap Experience. Discover how to safeguard your assets from market unpredictability and create a secure retirement income strategy.
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What Is a Volatility Buffer?
A volatility buffer is a strategic system that protects your assets during market downturns immediately following retirement. When you need income during a down market, the traditional "buy low, sell high" strategy fails.
The reality is you may need money when markets are down. A volatility buffer solves this critical problem by providing alternative income sources during market declines, helping you avoid selling investments at a loss.
The Retirement Rollercoaster Can Be Avoided
Don't let market ups and downs derail your retirement dreams. Strategic planning today ensures financial peace tomorrow.
Increase Your Retirement Success Probability
Lower or Eliminate Taxes
Strategic tax planning can significantly reduce your retirement tax burden, keeping more money in your pocket.
Protect Your Portfolio
Shield your investments from market volatility with proven strategies that preserve your wealth during downturns.
Never Run Out of Money
Create guaranteed income streams that last your entire lifetime, no matter how long you live.
80% Find Significant Improvements
80%
Success Rate
Clients who receive a Retirement Roadmap discover ways to significantly improve their retirement outcomes.
Get Your FREE Roadmap Report
This comprehensive report helps you lower risk and increase your potential for a peaceful retirement. Simply answer eight questions and receive your customized personal report.
Comprehensive Retirement Planning Tools
Retirement Calculators
Access powerful tools including retirement savings calculators, 401(k) comparison tools, IRA calculators, and Social Security benefit estimators to plan your financial future.
Tax Strategies
Understand the tax triangle, maximize tax efficiency in retirement, learn about 1035 exchanges, and discover the five most overlooked tax deductions.
Social Security Optimization
Learn what you really need to know about Social Security benefits, including strategies for self-employed individuals and optimal claiming strategies.
Income Planning
Discover how to select the right fiduciary, understand annuities, learn about average vs. actual rates of return, and apply the Rule of 4%.
Healthcare and Medicare Planning
Medicare in "Un" Retirement
Understand how Medicare works if you're considering returning to work after retirement. Navigate the complex rules and avoid costly mistakes.
HSA Tax Benefits
Health Savings Accounts offer one of the best tax shelters available to Americans. Learn how to maximize these powerful benefits.
Long-Term Care Planning
Protect your assets and ensure quality care with comprehensive long-term care strategies that fit your budget and needs.
Leave a Lasting Legacy
Estate Planning Essentials
Creating a legacy you can be proud of requires careful planning and regular updates. Your estate plan should reflect your current wishes and family situation.
01
Keep Your Estate Plan Updated
Review and update your documents regularly to reflect life changes.
02
Understand Life Insurance Options
Learn the advantages and disadvantages of permanent insurance for wealth transfer.
03
Consider Life Settlements
Discover how existing policies can provide unexpected value for your estate.
Specialized Retirement Planning Services
Federal Benefits Planning
Comprehensive guidance for federal employees navigating retirement benefits, including FERS, TSP, and federal health benefits.
Washington Retirement Systems
Specialized planning for Washington state employees, including PEBB benefits and state pension maximization strategies.
Aerospace Industry Retirement
Tailored strategies for aerospace employees, including pension decisions, 401(k) rollovers, and retiree health benefits.
Business Planning and Tax Credits
Business Tax Mitigation
Discover strategies to reduce your business tax burden and maximize profitability through smart planning.
R&D Tax Credits
Learn how Research & Development tax credits can provide significant savings for innovative businesses.
Employee Retention Credits
Explore available tax credits for retaining employees and building a strong workforce.
Business owners face unique retirement challenges. Our specialized planning addresses succession planning, tax-free wealth transfer, and premium financing strategies that protect both your business and personal assets.
Start Your Retirement Roadmap Today
Take the First Step
Your journey to a secure retirement begins with understanding where you stand today. Our comprehensive analysis uses Monte Carlo simulations with up to 1,000 scenarios to determine the probability of your retirement success.
Complete a simple eight-question assessment
Receive your personalized Retirement Roadmap
Schedule a free consultation to review your options
Implement strategies to protect and grow your wealth

Important Disclosure: This presentation uses historical returns and Monte Carlo Analysis for illustrative purposes only. Past performance does not guarantee future results. All financial planning tools utilize user-defined inputs and assumptions. Results may vary based on individual circumstances. Consult with a qualified financial professional before making investment decisions.