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Traditional foundation
Dividend growth stocks and municipal bonds can form a core layer of dependable, lower-volatility income.
For households $500K+Independent fiduciary networkNationwide · virtual
A Briefing for Pre-Retirees · $500K+
Stocks and bonds crashed together in 2022.
The five-layer income model is what replaced 60/40.
Five uncorrelated income layers stacked so one bad market does not break the plan. Watch the briefing, then get matched with a Select Advisor who builds the architecture for $500K+ households.
Fee-based · No commissionsIndependent fiduciary networkNo pressure, no pitch
Watch first14:42
6,300+Plans reviewed
$500K+Minimum to qualify
50 statesVirtual, nationwide
FiduciariesAll of our select advisors adhere to the highest standards.
Income has to be engineered for uncertainty, not predicted around it.
The briefing begins with the feeling many pre-retirees already have: something fundamental has shifted. Stocks and bonds fell together in 2022, the 4% rule is under pressure, real estate can be illiquid and expensive, and traditional retirement accounts can lose a meaningful share of returns to taxes and fees.
The five-layer income model responds by stacking uncorrelated sources of cash flow. A traditional foundation is paired with alternative income, tangible assets, legacy and tax-planning tools, and non-investment income such as Social Security or pensions.
The goal is not a magic product. It is architecture: when one layer drops, others compensate, and the income plan can keep moving without forcing every dollar through the same market risk.
The framework
Five independent income layers so no single shock breaks the plan.
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Alternative income
Private credit, covered-call strategies, structured notes, and buffered approaches can pay when markets stall.
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Tangible assets
REITs, farmland, energy royalties, and other real-world assets can add inflation-sensitive income outside stocks.
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Legacy protection
Roth conversions, charitable structures, and policy strategies can support lifetime income and family outcomes.
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Non-investment income
Social Security, pensions, consulting, or semi-passive work can create income that is not tied to portfolio swings.
Who builds your plan
A select network of independent fiduciary advisors.
The Right Retirement Plan doesn't manage money. We publish the research, then route qualified households to a short list of vetted independent fiduciary advisors who actually run the five-layer model end-to-end.
You're not getting a call center. You're getting one advisor, matched to your situation, in your state.
Fiduciaries
All of our select advisors adhere to the highest standards.
All five layers, in-house
Tax, income, investments, estate, and protection coordinated under one plan — not five disconnected vendors.
10+ years working with pre-retirees
Every advisor in the network has spent at least a decade on the retirement-income problem — not accumulation.
Background-checked, reviewed quarterly
Clean U4, no disclosure events, ongoing client-feedback reviews. If a complaint sticks, they're out.
See if your household qualifies.
Takes about 30 seconds. We'll confirm a fit before booking anything. No third-party calls.