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HOW TO WEATHER THE RETIREMENT STORM WITHOUT LOSING YOUR SHIRT

Most people spend their entire careers worrying about the "accumulation" phase. They watch their 401k grow and celebrate when the market hits a new high. But the transition to the "distribution" phase is where the real danger hides. It is like climbing Mount Everest. Most accidents don't happen on the way up. They happen on the way down. Andrew Winnett saw this reality in 2008 when the market crashed and advisors were caught like deer in the headlights. He realized then that the "buy and hold" strategy is a trap for anyone who needs their money to live on today.

The Myth of Market-Based Income

Wall Street wants you to believe that you can just withdraw four percent of your portfolio every year and be fine. But what happens if the market drops twenty percent in year one? You are now selling shares at a loss just to pay your electric bill. That is how a retirement fund dies. Andrew’s mother faced this exact injustice. After his father passed at forty-five, she was forced back into a minimum-wage job because her modest savings were being eaten by market risk and silent advisor fees. It’s why we do things differently.

Protecting the Underdog

We don't believe in gambling with your dignity. We use a multi-dimensional approach that prioritizes principal protection. You've worked too hard to let a bad week in Washington wipe out a decade of savings. By implementing a Market-Proof Income Plan, you create a floor. Your money doesn't go down when the market goes down. It only goes up or stays level. That is the kind of peace of mind that a traditional "wealth manager" usually won't offer because it doesn't fit their fee-heavy model.

Guaranteed Paychecks vs. Market Possibilities

In retirement, you don't need "potential" returns. You need a check. You need to know that on the first of the month, your lifestyle is funded. We focus on hybrid contractual products that turn your savings into a personal pension. This isn't about being greedy. It is about being smart. When you focus on securing a Retirement Paycheck that lasts a lifetime, you are taking the power back from the big banks. You are making sure that you don't run out of money before you run out of life.

The No Advisor Fee Difference

One of the biggest leaks in any retirement boat is the advisor fee. Most firms charge you a percentage of your assets every year, even if they lose you money. We think that is wrong. We operate with a No Advisor Fee Guarantee. We are paid by the institutions, not by taking a bite out of your nest egg. This ensures that every dollar you've saved is working for you and your family, not for some guy in a suit who isn't even looking at your account when the market starts to slide.

The Relationship Sit-Down

We aren't a cold, institutional firm. We are a family-oriented practice built on trust. We start every new relationship with what we call a Relationship Sit-Down. We don't talk at you. We listen to you. We want to hear about your fears, your goals, and what you want your legacy to look like. We are educational guides, using movies and books to help you understand the "Renegade" way of planning.

A Promise Kept

Andrew Winnett started this firm because of the promise he made to never let a client's money disappear due to market volatility. He saw what happened to his own mother, and he decided to fight for the "underdog" retiree. Whether it is asset protection or tax planning, our goal is to build a wall around your future. Andrew Winnett and his team are here to make sure you can retire with more than just your dignity—you can retire with total certainty.

Don't let the next market crash be the thing that ruins your plans. You've earned the right to a stress-free retirement. It’s time to stop crossing your fingers and start using a plan that is actually battle-tested.