Retirement Readiness Workshop
Watch the complete workshop recording. Learn the Three Types of Money framework that has helped thousands of families build retirement income plans since 2001.
Book Your Free Discovery SessionWatch at Your Own Pace
No registration required. No email gate. Just press play and learn.
In this 60-minute workshop, David Schaeffer and David Edge walk you through the same retirement income planning framework ARA has used for over 25 years. The same conversation he has had with thousands of families, available here at no cost to you.
What You Will Learn in This Workshop
Six topics covered in plain English, no jargon required.
Why the 4% rule stopped working after 2000
The Three Types of Money framework: Yellow, Green, and Red
How sequence of returns risk can destroy a retirement
Why 92% of mutual funds underperform the market
The difference between accumulation tools and distribution tools
How Social Security optimization fits into your income plan
The Three Types of Money
Every retirement income plan is built from these three buckets. The right balance is different for everyone, and that is exactly the conversation the discovery session is designed to have.
Your Bank
Safe, liquid, always accessible
- Checking and savings accounts
- Fully FDIC insured
- Complete access anytime
- The foundation every plan starts with
Guaranteed Income
Your paycheck that never stops
- Fixed annuities with lifetime income riders
- Principal protected, no market risk
- No fees on the base product
- Grows tax-deferred until you need it
- Passes 100% to beneficiaries, avoids probate
Growth Investments
Managed risk, long-term growth
- Market-based investments with growth potential
- Low-cost, fee-averse approach
- Hedges against inflation over time
- Complements guaranteed income, does not replace it
The ARA Process
Five steps. No pressure. No pitch. Just a process that has worked for thousands of families since 2001.
Discovery
Like a first date, we learn about you, your family, and your goals. About 10 minutes covers finances. The rest is about your life. This meeting is at no cost to you and comes with no obligation.
Recommendation
Two weeks later, we present your personalized retirement income planning timeline: a book showing the next 20 years. Every scenario mapped. Every number explained in plain English.
Clarification
Take it home, digest it, come back with every question. No pressure. We sit down again, answer everything, and make sure you understand every piece before anything moves forward.
Implementation
We handle the paperwork, the rollovers, and the account setup. Our planning team coordinates everything so nothing falls through the cracks.
Annual Review
Every year, you bring the book back. We adjust for your life, the markets, and tax law. Your plan grows with you.
25 Years. One Standard.
These are not marketing claims. They are facts shared directly in the workshop recording above.
Ready to See What Your Numbers Look Like?
Your initial discovery session is at no cost to you and comes with no obligation. It is not a sales meeting. It is a conversation.
Book Your Free Discovery Session
Fill out the form and we will reach out to confirm your appointment. Takes about 90 seconds.
This educational program is not intended to sell investment or insurance products. Insurance products are not FDIC insured and are not bank guaranteed. The discovery session is provided as a public educational service, at no cost to you.