✅ Time to get started

You’re here, which means you have taken the first step in achieving retirement success. Now it’s time to get going! You can check out each video in the entire masterclass series below or on YouTube.

Part 1: Retirement isn't an Age. It's a Math Problem

When can you actually retire? It’s not about hitting a certain age, it’s about hitting your number. In this episode of our Retirement Master Class, we break down why retirement is a financial formula, not a birthday milestone.

✅ Learn how to calculate your retirement number

✅ Discover the key inputs that determine your financial freedom

✅ Understand why age 65 is outdated thinking

✅ Start planning smarter for the retirement you really want

Age 35 or 55, this class will help you reframe retirement planning and build a strategy based on math, not myths.

Part 2: Understanding the Risk You Can and Should Take

Most investors think of themselves as simply “conservative” or “aggressive.” But real risk tolerance is more complex, and critical to building a long-term investment plan that actually works.

🔍 In this video, you’ll learn:

What risk tolerance really means (and how it’s different from risk capacity and perception)
The 3 general risk tolerance types, and how to know where you fit
How to evaluate your true risk comfort beyond a standard questionnaire
Why risk tolerance should be goal-based, not just portfolio-based
How time horizon directly impacts the risk you can and should take

📈 Whether you’re managing your own investments or working with an advisor, this insight is essential to building confidence in your financial future.

Part 3: Choosing the Right Account To Maximize Your Money

Are you just stashing money into an IRA or 401(k) without knowing if it’s the right place for your goals?

In this episode, we break down the strategy behind account types, from IRAs and Roth IRAs to brokerage, HSA, and even self-employed retirement plans like SEP IRAs and Solo 401(k)s. Because it’s not just about investing, it’s about choosing the right home for your money.

✅ Learn how Traditional vs. Roth IRA accounts impact your taxes

✅ Discover the pros and cons of brokerage and cash management accounts

✅ Understand which accounts are best if you’re self-employed

✅ Explore special-purpose accounts like 529 plans, HSAs, and custodial accounts

Part 4: Why Most People Fail at Their Financial Goals

💡 Are you trying to save for EVERYTHING at once and making progress on nothing?

You’re not alone. Most people spread their money across too many goals, never fully achieving any of them.

In this video, we’ll walk you through a real‑life example of how one couple turned their financial chaos into a focused, achievable plan and how you can too. Here’s what you’ll learn:

The #1 mistake that keeps people from hitting their goals
How to prioritize what matters most without giving up your dreams
Why focusing on fewer goals actually helps you achieve more
How to align your investments with your timelines
The simple tracking system that keeps you on target Whether you’re saving for a house, college, retirement, or that dream vacation

Part 5: Every Serious Investor Needs an Investment Policy Statement (IPS)

Most investors have never heard of an Investment Policy Statement (IPS), but the most successful ones never invest without it.

In this episode, we break down exactly what an IPS is, why it’s the cornerstone of long-term investing success, and how it keeps your portfolio aligned with your goals, through bull markets, bear markets, and everything in between. In this episode, you’ll learn:

📝Why an IPS actually is more than “just paperwork”

📝 How it serves as your personal investment blueprint

📝 The key components every IPS should include (goals, risk tolerance, asset allocation, constraints, and more)

📝 Real-world case study showing how an IPS guides smart decisions

📝 Why building one with a trusted advisor creates clarity and accountability

Part 6: The Three Pillars of Wealth. Understanding Asset Classes

If you put $10,000 in a savings account 20 years ago, you’d barely have $11,000 today. But in the S&P 500? That same money could be worth over $67,000 in value. 🚀

The truth is, stocks are powerful but they’re only ONE piece of the wealth-building puzzle. In this video, we break down The Three Pillars of Wealth:

Stocks: Your long-term growth engine. Learn how to use large caps, mid caps, small caps, and international equities to build wealth.

Bonds: Your income and safety net. Discover how Treasuries, corporate bonds, and municipals stabilize your portfolio when markets crash.

Alternatives: Your wild cards. From real estate and commodities to private equity and even crypto, these assets move differently and can protect you when stocks and bonds stumble.

Part 7: Insurance as Your Portfolio's Secret Hedge

When most people hear insurance, they think expenses. But smart investors know it’s more than that. It’s a strategic hedge that protects your wealth from life’s biggest curveballs.

You’ll see how insurance needs evolve from your 20s to retirement and why aligning policies with life stages can make or break your financial plan. Here’s what you’ll learn

🔒 Life insurance: Term vs. Permanent policies explained

🔒 Disability insurance: Protect your greatest asset—your income

🔒 Health insurance: Choosing coverage that evolves with your needs

🔒 Property & casualty: Homeowners, auto, umbrella liability

🔒 Long-term care: Why waiting too long can cost you big

🔒 Portfolio hedging strategies: Protect your investments with principal protected solutions