Retirement Clarity Project Webinar
Free live webinar — learn how to convert retirement savings into reliable income
Join hosts Mac and Chadd for a concise, education-first webinar that explains sequence of return risk, Social Security timing, growth-with-protection options, income annuities, and the exact questions to ask before booking a personal consultation.
No pressure — strictly educational. Limited consult spots available.
Mac Foulger
Mac brings 20+ years designing retirement income strategies that prioritize dependable paychecks and downside protection. He focuses on practical math-driven solutions, not market hype.
Chadd Johns
Chadd specializes in turning retirement assets into predictable income streams and coordinating Social Security timing and Medicare planning with overall income strategy.
The Retirement Shift You May Not See
Most people spend decades growing assets and aren’t taught how priorities change when withdrawals begin. Near retirement, the real danger is timing — sequence of return risk — which can permanently damage outcomes if withdrawals begin during market downturns.
- Accumulation vs. distribution — different goals and risks
- Sequence of return risk: timing matters more than averages
- Withdrawals during downturns can shrink recovery potential
Growth with Protection
Participate in market upside while removing downside loss in defined ways — designed for transition years when protecting principal matters as much as growth.
Predictable Income
Income-based programs convert part of savings into contractual paychecks so essential expenses are covered independent of market swings.
Personalized Blend
A custom mix of growth, protection, and guaranteed income designed around your retirement timing and goals — not one-size-fits-all advice.
Growth-Focused Programs — Participate, Don’t Panic
Growth annuity-style programs let you collect gains in positive years while pausing in negative years. That structure reduces volatility’s emotional impact and preserves capital during the crucial early-retirement years.
Interactive example: the two-dollar bill game illustrates why no-loss participation changes behavior and stress levels.
Income That Looks Like a Paycheck
Income-based annuities convert money into math-driven paychecks. These programs provide contractual income that doesn’t fluctuate with the market, often producing higher guaranteed income percentages than a traditional withdrawal approach.
Timing, age, and structure matter — income levels are calculated, not projected. For many clients this brings immediate peace of mind.
Medicare Clarity — Five Timing Tips
- Know your 7-month Initial Enrollment window
- If working past 65, confirm the 8-month Special Enrollment rules
- Pick the right lane: Original Medicare or Medicare Advantage
- Mind the 6-month Medigap enrollment window after Part B
- Watch for Part D penalties and IRMAA income surcharges
Medicare rules have timing traps that affect costs and coverage. A coordinated conversation with a Medicare specialist can prevent costly mistakes.
3.7%
Updated safe withdrawal (est.)
Morningstar-adjusted guideline
5x
Likelihood improvement
Blending income reduces short-term failure risk
90%
Client satisfaction
Post-consultation clarity and confidence
Limited
Consult slots/week
We limit visits to ensure high-quality guidance
Ready for Clarity? Book a Free Visit
If you’re close to retirement, worried about income, or want a fresh second look, schedule a working session. We’ll review Social Security timing, income needs, and where risk may be quietly exposed — no sales pitch, just clarity.
What you’ll get: A focused review of Social Security timing, income math, Medicare coordination, and a clear action list to improve confidence.
We limit consults each week to keep conversations thoughtful — if slots are full you can check back later.