Retirement planning without confusion, pressure, or gimmicks. Plain answers on income, taxes, Social Security, and the decisions that actually move the needle.
Guaranteed income you cannot outlive, matched to the expenses you cannot skip.
The surprises that quietly cost the most, and the levers that address them.
A plan built to bend instead of break when life does the unexpected.
Most retirement advice hides behind terms built to keep you nodding along. Here is the same information, said straight.
A bad year early in retirement does more damage than the same year later. The order your returns happen in can make or break the plan.
How big a market drop your finances can actually survive, which is not the same as how big a drop you can stomach emotionally.
Cross one hidden income line by a single dollar and your Medicare premiums jump for the whole year.
The order you pull from your accounts can hand you years of lower taxes, or quietly cost you them.
Eleven short chapters take you from the seven variables that make your situation unique to the Roles-Based Method and the Retirement Stack, the framework that turns it all into an actual plan.
The seven variables that make your situation unlike anyone else's, and why the right plan starts there.
How to build income you cannot outlive, where guaranteed income belongs in the plan, and where it does not.
Sequence-of-returns risk in plain terms, and how your portfolio's job changes the day the paycheck stops.
Social Security taxation, the IRMAA cliff, the RMD tax bomb, and the widow's tax trap, plus the levers that address each one.
Long-term care, market shocks, and family emergencies, and how a resilient plan absorbs the surprise rather than shattering on it.
The decisions that protect whoever outlives you, and the difference between leaving money and leaving it well.
Build the design before the decisions get expensive and hard to undo.
Turn a lifetime of saving into a steady paycheck without guessing.
Tighten the income and tax strategy you already have in place.
“A good plan is not one that predicts the surprise.From the book
It is one built so that no single surprise can break it.”
Sean is the founder of Jantz Wealth Advisors, a retirement planning and investment management firm, and has been guiding families through retirement decisions since 2012. He is an advisor held to the fiduciary standard on the portfolios he manages, and he is insurance licensed, so he can use the right tool for your situation rather than the one tool he happens to sell.
Based in Twin Falls, Idaho, Sean works with families across the country. He wrote this book for the conversations he has every week: clear, direct, and free of the jargon that keeps good people in the dark about their own money.
The book's final chapter points here. A short, free assessment surfaces what your retirement plan should prioritize. No pressure, and no sales call unless you ask for one.
Available now in paperback and Kindle on Amazon.
Buy on AmazonPaperback and Kindle. ISBN 9798199474078.