When it comes to retirement planning, one of the most common—and costly—mistakes is adopting a “set it and forget it” approach to your investments. While the idea of putting your money to work and leaving it alone may seem appealing, especially when life gets busy, failing to regularly review and adjust your strategy can expose you to unnecessary market risks.
In this article, we’ll explore how overlooking investment reviews, insurance updates, and risk exposure can derail even the most well-intentioned retirement plans. We’ll also show you what the market has really done over the last 25 years—and why your plan should be built on more than optimistic assumptions. Read More
As retirement planning continues to evolve, individuals—especially those working in education, healthcare, and public service—are increasingly relying on flexible, tax-advantaged ways to secure their financial future. One of the most effective tools available in these sectors is the Supplemental Retirement Account (SRA).
At SafeMoney.com, we help individuals make informed decisions about their retirement income. Whether you’re new to retirement planning or refining an existing strategy, understanding how SRAs work—and which type may be right for you—is crucial for long-term success. Read More
In a world where markets are volatile, healthcare costs are rising, and traditional pensions are vanishing, “Make Retirement Safe Again” isn’t a political slogan—it’s a financial necessity.
Quick note: While this phrase might sound familiar, this article is not political. It’s about restoring peace of mind, protecting your hard-earned savings, and creating a retirement you can count on—regardless of your personal beliefs or affiliations.
By focusing on time-tested strategies like guaranteed income and financial protection, we can help you build a retirement plan that’s based on stability, not speculation. Read More
When planning for retirement, one of the most overlooked financial opportunities is a life settlement. As retirees seek ways to maximize their income and minimize risk, selling a life insurance policy through a life settlement can be a powerful tool—especially for those with policies they no longer need or can’t afford to maintain. In this article, we’ll explain what life settlements are, how they work, their pros and cons, and how they can be used to support a secure retirement.
What Is a Life Settlement?
A life settlement is the sale of an existing life insurance policy to a third-party investor for a cash payment. The payment is typically more than the policy’s cash surrender value but less than its face (death benefit) value.
After the sale, the buyer becomes the new owner and beneficiary of the policy. They take over premium payments and receive the death benefit when the original policyholder passes away.
Life settlements are generally available to seniors age 65 and older who own a life insurance policy with a face value of $100,000 or more. Policies may include universal life, whole life, variable life, or even term life (if it’s convertible). Read More
Turn Your Retirement Income Into a Paycheck That Lasts
When your career ends, your bills don’t. That’s why retirement income—not just savings—is the cornerstone of financial independence in your golden years.
Retirement income planning is the art and science of creating a reliable stream of income that lasts as long as you do. And for most people, this is best done with the guidance of a qualified retirement income planner.
In this guide, we’ll help you understand how to structure your finances so you never have to wonder where your next retirement paycheck is coming from. Read More
Interview by Brent Meyer, Founder of SafeMoney.com
In this Spotlight Series interview, Brent Meyer, Founder of SafeMoney.com, speaks with Frank Passmore, founder of Certified Planners Group, LLC, about his faith-based approach to retirement planning. With nearly 30 years of experience and over 2,000 families served, Frank shares how he helps retirees and pre-retirees reduce market risk, plan for long-term care needs, and create lasting income—while staying true to his core values of trust, transparency, and prayerful guidance.Read More
Retirement is a time to enjoy the fruits of your labor—but making the right decisions beforehand is critical to achieving a financially secure and stress-free future. Among the many moving parts of retirement planning, three key areas stand out as pillars of long-term stability: Social Security, Medicare, and Life Insurance.
These components are closely linked to your quality of life in retirement. If you make smart choices in each of these areas, you’ll be far better positioned to protect your health, wealth, and loved ones. This article explores these three core decisions and offers guidance to help you make confident, informed choices for your retirement years.
As you approach or settle into retirement, one of the most important financial questions you’ll face is: What happens to the assets I’ve worked a lifetime to build? That’s where estate planning comes in. And in 2025, with proposed updates to the federal tax code, it’s more relevant than ever. President Trump’s new tax proposal could significantly impact how retirees and families plan to transfer wealth. If you’re wondering what the Trump estate tax plan 2025 means for your estate, this guide breaks it all down. Read More
One of the most pressing questions retirees face is: How long will my money last? Whether you’re approaching retirement or already in it, this concern isn’t just about numbers—it’s about security, peace of mind, and living life on your terms. The good news is, with careful planning and smart strategies, you can create a retirement income that lasts as long as you do.
At SafeMoney.com, we help everyday people gain clarity around retirement finances. Let’s walk through what affects how long your money will last, how to calculate it, and most importantly—how to make it last.
Understanding the Retirement Longevity Dilemma
The biggest challenge in retirement planning is longevity risk—the risk of outliving your money. According to the Social Security Administration, a 65-year-old man today can expect to live, on average, to age 84. For a woman, it’s 87. But one out of every three retirees will live past 90, and one out of seven will live past 95. Read More
An Interview with Steven Suib, RICP® — Protecting Retirement Income with Purpose
Brent Meyer, Founder of SafeMoney.com, sits down with Steven Suib, RICP®, founder of Preservation Wealth Management, to discuss how he helps pre-retirees and retirees navigate today’s complex financial landscape. With decades of experience, a fiduciary standard of care, and a results-driven income planning approach, Steven shares his mission to protect the retirement income his clients rely on—while empowering them to enjoy the lifestyle they’ve worked so hard to build.
Brent Meyer: Steven, thanks for joining us. Let’s start with your overall approach. What kind of clients do you typically work with, and how do you help them?
Steven Suib: Thanks, Brent—it’s great to be here. I work with individuals and couples who are either already retired or approaching retirement. Most of them are looking to reduce market exposure, but they still want their money to grow in a way that supports their long-term goals. That’s where our approach comes in—we combine safe money strategies with market-based solutions to help create dependable income streams that are designed to last a lifetime and grow with inflation. Read More
Start a Conversation About Your Retirement What-Ifs
Start a Conversation About Your Retirement What-Ifs
Already working with someone or thinking about getting help? Ask us about what is on your mind. Learn More
What Independent Guidance Does for You
What Independent Guidance
Does for You
See how the crucial differences between independent and captive financial professionals add up. Learn More
Stories from Others Just Like You
Stories from Others
Just Like You
Hear from others who had financial challenges, were looking for answers, and how we helped them find solutions. Learn More
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