How to Recreate Your Paycheck in Retirement

The retirement planning strategies most people get wrong - and how to get them right

45-minute comprehensive training revealing the retirement income system I've refined over 24 years

Watch The Free Class Now
Barron_s Indy 2023

Sammy Azzouz

  • President & CEO, Heritage Financial
  • 24+ Years Financial Advisory Experience
  • Author: "Beyond the Basics: Maximizing, Allocating, and Protecting Your Capital"
  • Creator: Boston Advisor Blog

 I've been helping people build towards successful retirement for over 24 years. During that time, I've seen a lot of people facing the same challenges and making similar mistakes. I created this class to help share those lessons.

What You'll Discover in This Free Class

Benefit 1

The 4% Rule Reality

Why the withdrawal rule that's endured 30 years still works - and the critical inflation component most people miss that could leave you broke.

Benefit 2

Social Security Optimization

How Social Security can provide nearly $1 million in lifetime benefits - and why most people dramatically underestimate its value.

Benefit 3

Investment Mistakes That Cost 1.1% Annually

The investor return gap that causes people to underperform their own investments - and the simple strategies to avoid it.

Benefit 4

The Retirement Smile Pattern

Why your spending follows a "bike to rocking chair to wheelchair" pattern - and how to plan for expenses that increase in later years.

Benefit 5

Tax Strategies Worth 1-3% Extra Returns

The three tax buckets strategy and how smart tax planning can add 1-3 percentage points to your annual returns with compound effects.

Benefit 6

Planning to Age 95

Why a 65-year-old couple has a 43% chance of one spouse living to 95 - and how to make your money last that long.

The Cost of Waiting

Studies show more than half of Americans retire sooner than planned due to layoffs, burnout, health issues, or family health issues.

Every year you delay optimizing your retirement income strategy could cost you thousands in benefits and returns. The best time to start was 10 years ago. The second-best time is now.

Time is money with hourglass and coins, representing financial planning and investment strategies for the future.

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Key Topics Covered In Class

Building Your Retirement Budget

  • Understanding how much you currently spend
  • Making adjustments for retirement lifestyle
  • Healthcare cost planning (Medicare averages $7,000 per person annually)
  • The retirement smile spending pattern

Retirement Income Sources

  • Social Security optimization and timing strategies
  • Portfolio withdrawal strategies using the 4% rule
  • How to coordinate multiple income streams
  • Planning for income that lasts to age 95

Investment Strategies

  • Avoiding the 1.1% annual investor return gap
  • Understanding market history and volatility
  • The long game approach to building wealth
  • Common investment mistakes that cost returns

Tax Planning

  • The three tax buckets approach
  • Asset location strategies
  • Roth conversion opportunities
  • Portfolio turnover management

Compelling Statistics

43% chance of one spouse in a 65-year-old couple living to age 95

Social Security can provide nearly $1 million in lifetime benefits

Investors underperform their own investments by 1.1% annually

Market averages 14.2% intra-year decline but is positive 75% of time

More than half of Americans retire sooner than planned

Tax strategies can add 1-3% to annual returns with compound effects

Watch Free the Class Now