Join Richard E. Groves Jr., Lifestyle Financial Specialist, for a live session on turning your retirement savings into a Financial Footprint that actually supports the life you want to live.
More people die descending a mountain than climbing it. Retirement works the same way. For decades you climbed — contributed, saved, stayed disciplined. But nobody hands you a map for the descent.
The five years before and after retirement — The Danger Zone — are the most financially treacherous of your life. Not because you've run out of money, but because the rules change and most people are still playing the accumulation game.
Robert, 63, and Maria, 61, have $1.4 million saved and feel like they're in good shape. But 91% of it sits in pre-tax accounts. Their RMDs are coming. Social Security is in the mix. Nobody has walked them through what happens when those three income streams collide at the wrong time.
They're not behind. They're not reckless. They just haven't made the pivot from accumulation to distribution — and that pivot is everything.
Reading is one way in. If you'd rather hear it explained live and ask your own questions, start here instead.
A short self-assessment that shows you your Freedom Years Score and flags where your tax exposure is highest — Red, Yellow, or Green..
Start The WealthcheckLearn why mapping your Lifestyle to your financial footprint is key!
Watch ReplayOne extra $6,000 IRA withdrawal can push more Social Security into taxable income, trigger the next IRMAA tier, and bump your bracket — a real cost north of $9,000.
When the first spouse passes, the survivor files Single — brackets compress, a Social Security benefit disappears, but the bills don't shrink to match.
A bad market in your first years of withdrawals — sequence-of-returns risk — can cost you seven years of retirement income, even with an identical average return.
Before you reserve a seat for anything, start here. The Freedom Years Blueprint walks you through the same Bags of Cash → Certain Income shift Richard covers live — the Danger Zone, the Tax Domino Effect, and the first moves that build a Financial Footprint that actually supports the life you want. Read it in one sitting, no webinar required.
Every problem above has the same fix at its core: stop treating retirement as a pile of money you slowly draw down, and start building it as a coordinated income system.
In this live session, Richard walks you through the Income Distribution Maximization Strategy (IDMS) — the same three-pillar framework he uses with clients — and how to convert your Bags of Cash into Certain Income before the Danger Zone finds you.
Moving dollars from the Red Bucket to the Green Bucket, on your timeline.
Covering core expenses with income you can't outlive.
Turning your largest guaranteed income source into a cornerstone, not a guess.
Reserve your seat and we'll send you Richard's ebook, The Freedom Years Blueprint, free — read it before the webinar or after, your call.
Kept everything in their 401(k)/IRA, set a 4% withdrawal rate, and hoped the market cooperated. A 28% drop in year one meant they kept selling at the bottom. Their portfolio never fully recovered.
Did an IDMS review two years before retiring, converting $300,000 into a Fixed Index Annuity covering $2,400/month. Same market drop — they didn't touch their invested assets. Six years later, their portfolio is larger than when they retired.
"Same starting point. Same market conditions. Completely different outcome. The plan is the difference. Not the market. Not the timing. The plan."
Richard E. Groves Jr. has spent decades helping individuals, families, and business owners build financial strategies centered on one goal: maintaining their lifestyle for their lifetime. He has assisted and educated more than 5,000 clients in retirement, college, estate, and long-term lifestyle planning.
Your Freedom Years are closer than you think. Spend one hour making sure the plan is ready for them.
Get Your Free Guide FirstImportant information: Hypothetical for illustrative purposes only. Not individual tax or legal advice. Many retirees review this with a qualified tax professional.
Guarantees, including annuity income riders, are subject to the claims-paying ability of the issuing insurance company. Fixed Index Annuities and life insurance products are insurance products, not securities.
This webinar is for educational and informational purposes only and does not constitute individual financial, tax, or legal advice. Investment advisory services, if offered, are provided through a registered investment adviser. The Kendell Financial Group is not affiliated with any government agency. © 2026 The Kendell Financial Group. All rights reserved.