How To Manage Money For Retirement Without a Financial Advisor

Shawn Plummer

CEO, The Annuity Expert

A financial advisor isn’t for everyone. So, how does an investor save money for retirement and spend money in retirement without the help of a financial advisor? This guide will briefly give some tips financial advisors don’t want you to know.

Saving Money For Retirement Without a Financial Advisor

Did you know you can predict and plan your ideal cash flow for your future retirement starting today? It’s true. In some cases, you can plan your retirement income for 30 years in the future. Annuities can provide insurance to guarantee your income when you finally retire.

You can’t do this with a 401k, IRA, or any other retirement plan because your retirement income is based on performance from an investment.

You can’t do this with investments. It’s a crapshoot.

Why You Don'T Need A Financial Advisor To Manage Money In Retirement.
How To Invest Without A Financial Advisor

Spending Money During Retirement Without a Financial Advisor

Financial advisors tend to use the age-old 4% Rule for spending money in retirement. If you spend 4% of your savings annually, you predict you won’t run out of money.

Some financial advisors (not all) won’t tell you that an annuity is an insurance policy for retirement that distributes your money for you for the rest of your life, even if you run out of retirement savings. They also won’t tell you that, in many cases, an annuity will provide you with more income than the 4% rule and can also increase over time to help with inflation.

So why don’t some financial advisors tell you about annuities? It’s easy. If they’re not investing their savings in the market, they’re not making money year after year. What’s the incentive?

Food for thought.

Use our free annuity calculator to estimate your lifetime income.

Do I Need A Financial Planner For Retirement

Next Steps

If you’re looking for ways to save money and spend wisely in retirement, you don’t need a financial advisor. In fact, following the advice of a financial advisor could hurt your nest egg more than help it. Luckily, we have all the tips you need to make the most of your money without breaking the bank. Want more information? Contact us today for a free quote on how much money you could save by using it alone in retirement planning.

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*Disclosure: Some of the links in this guide may be affiliate links. I may receive a commission at no cost if you purchase a policy. It helps us keep the lights on!

Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed insurance agent and annuity broker with over a decade of first-hand experience. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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