The 90-Second Retirement Plan (That Works)

The financial world just got a fresh dose of uncertainty.

With Trump escalating a new trade war, tariffs are back in the spotlight—bringing potential market volatility, inflation concerns, and global economic uncertainty. If history is any guide, this kind of turbulence could rattle stocks and force investors into defensive strategies.

For retirees and those nearing retirement, the biggest risk isn’t market swings—it’s relying entirely on investments for income when the rules keep changing.

For decades, the investment industry has spent billions of dollars trying to crack the code on retirement income. PhDs in finance, advanced mathematical models, and entire firms dedicated to answering a single question:

How do you withdraw 4% per year from your investments and not run out of money?

And after all that effort, the answer seems to be:

?? Maybe it works. Maybe it doesn’t. ??

Retire at the right time, and you might catch a long bull market that makes the whole thing feel easy. Retire at the wrong time—say, 2008—and you could be waiting a decade just to recover.

Even bonds, the supposed “safe haven,” failed retirees when they needed them most.

So, after all this complexity, what if the real answer was simple?

Why Old-School Pensions Were So Simple

Your grandparents didn’t stress over investment withdrawal strategies.

They had Social Security + a pension—a paycheck that arrived every month, no matter what. No market crashes. No “sequence of returns risk.” No complex formulas.

And here’s the kicker: They actually got to enjoy retirement.

But today?

?? Pensions are gone.

?? Retirees are left to figure it out themselves.

?? Most people don’t realize they can recreate a pension-like income stream—on their own terms.

Let’s Make Retirement Simple Again

Instead of crossing your fingers and hoping the markets work out, set up a financial defense:

? Social Security: Typically covers ~40% of your expenses.

? Guaranteed Income (Fixed Annuities): Can cover another 40%.

? Everything Else: Invest, grow wealth, buy real estate, acquire businesses, or just enjoy life.

The 90-Second Retirement Plan

Here’s how simple it is:

?? Take 15%-20% of your portfolio.

?? Lock in a guaranteed income stream for life.

?? Cover 80% of your retirement expenses—no matter what.

?? Use the rest for growth, fun, and legacy-building.

?? No market worries.

?? No withdrawal strategy stress.

?? No sleepless nights.

20% to Defense. 80% to Offense. Done.

This strategy works right now because annuity rates are at 20-year highs.

A few years ago, these rates were terrible—but today, we’re seeing payouts as high as 10-15% for life.

?? That’s why this is a unique opportunity. ??

Why Aren’t More Advisors Talking About This?

I recently spoke with an advisor from a big investment firm and asked,

"With rates this high, are you helping clients take some profits off the table and lock in guaranteed income?"

He laughed. “Nah, we actually run ads against annuities—it’s good lead gen for us to sell more investments.”

That’s not financial planning. That’s sales.

At the end of the day, the goal of financial planning isn’t just growing money—it’s creating reliable income for when you need it.

And if you could cover 80% of your retirement expenses with just 20% of your assets, wouldn’t you at least want to know how?

Income = Freedom

Once your core expenses are covered, investing becomes fun again.

? You can take calculated risks in the stock market.

? You can buy real estate, businesses, or explore new ventures without worrying about a paycheck.

? You can actually enjoy retirement—instead of stressing over market cycles.

Markets are at all-time highs.

Should you take some profits and guarantee some of your income?

It’s a question worth asking.

Because when you know your baseline is covered, everything else becomes easier.

Want to Learn More?

If this strategy makes sense to you, click the link in the comments to join our group here on LinkedIn.? Let’s see if you’re in the sweet spot for locking in these high guaranteed rates before they disappear.

?? Simple.

?? No drama.

?? Just peace of mind.

This is The 90-Second Retirement Plan—and right now, it’s one of the best deals in retirement planning.

??? Free Linkedin Group:

Build your Modern Family Dynasty: https://www.dhirubhai.net/groups/5156642

Thank you for reading!!!