01
Vanished pensions
Households are now expected to make 401(k)s do work that guaranteed pensions used to handle.
For households $500K+Independent fiduciary networkNationwide · virtual
A Briefing for Pre-Retirees · $500K+
Pensions are gone. The 4% rule is broken.
$900,000 is no longer the finish line.
The retirement playbook your parents used was built for pensions, low fees, and stable markets. Watch the briefing, then speak with a fiduciary advisor in our Select Network who builds protected cash-flow for what we actually retire into.
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.
The old playbook can fail even when the saver did what they were told.
Dave is 58 and saved $900,000 in his 401(k). By the old rules, that should have felt like safety. Instead, he learned his retirement number had moved above $1.5 million and was still rising.
The briefing connects that shock to the bigger system: pensions disappearing, 401(k)s carrying more responsibility than they were designed for, hidden fees compounding over decades, and early-retirement market losses changing the outcome even when average returns look acceptable.
The replacement is not hope. It is a protected cash-flow system built around monthly income, principal risk, tax reduction, and preserving wealth through the next market cycle.
The framework
Why the playbook stopped working.
02
401(k) design flaws
Savings vehicles built for accumulation do not automatically create reliable retirement income.
03
4% rule decay
Higher living costs, low rates, and volatility can make fixed withdrawal assumptions fragile.
04
Sequence risk
Losses early in retirement can permanently reduce income even if the long-term market average recovers.
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.