If you spend any time watching the major financial news networks, you’ve probably heard the same generic advice a thousand times. They tell you to diversify, keep your fees low, and most importantly, stay the course. It sounds like sound logic when you’re thirty five years old and have decades of paychecks ahead of you. But for someone who is standing on the doorstep of retirement, "staying the course" can be the most dangerous thing you ever do. Andrew Winnett started Retirement Renegade because he saw how this one size fits all advice fails the average senior when it matters most. He watched his own mother struggle because her "standard" financial plan didn't account for the reality of a market crash or the loss of a spouse.

The truth is that the financial industry is built by institutions, for institutions. They want you to keep your money in risky accounts because that is where they make the most in management fees. But when you’re retired, you don't need "potential" growth that might vanish tomorrow morning. You need a retirement income plan that actually shows up in your mailbox or bank account every single month without fail. You need a "Multi-Dimensional Approach" that protects your hard earned principal while giving you the freedom to spend your money without looking over your shoulder. We’re the "Protective Rebels" who are here to show you how to opt out of the Wall Street gamble and opt into a future built on certainties.

The Injustice of Market Volatility for Seniors

When the stock market takes a dive, it’s a headline for a twenty year old, but for a retiree, it’s a life altering crisis. If you’re pulling money out of a shrinking account to pay your monthly bills, you’re accelerating the "drain" on your nest egg in a way that is almost impossible to fix later. This is exactly how good people run out of money before they run out of life. Andrew Winnett vowed he would never be involved in losing a client’s money ever again after seeing the absolute chaos of the 2008 crash. He realized then that the only way for the underdog to win the retirement game is to stop playing by the big banks’ rules.

We focus on "hybrid contractual products" that offer a No Market Risk Guarantee. It’s a simple concept that the big firms hate to talk about. If the market goes up, you get to participate in a portion of that growth. But if the market drops like a stone, your principal stays exactly where it is. Not a penny is lost to market volatility. We believe that peace of mind is the best ROI you can ever get. By implementing a secure retirement paycheck system, you remove the stress of the daily news cycle. You can finally stop checking the stock ticker every hour and start checking things off your bucket list. Our "Relationship Sit-Down" is designed to help you find these safe harbors so you can weather any storm that Washington or Wall Street throws your way.

Cutting Through the Corporate Fluff and Silent Fees

The financial world loves to use big, fancy words to hide the fact that they’re overcharging you for mediocre results. They talk about "multifaceted strategies" and "leveraging assets," but at the end of the day, it’s usually just corporate fluff designed to make you feel like you need them more than they need you. We speak your language. We’re educational guides who use real world examples to show you how the system actually works. We’re not afraid to critique the traditional AUM (Assets Under Management) model because we think it’s a fundamental conflict of interest. Why should an advisor get a paycheck when your account is losing value?

We provide a No Advisor Fee Guarantee. Because we’re independent, we aren't tied to one single insurance company or a specific big bank. We have access to over 75 different institutions and 1,200 products. Our only loyalty is to the person sitting across the table from us. This independence is what allows us to build a battle-tested Retirement Renegade strategy that fits your specific needs. Whether you’re worried about rising Medicare costs, potential tax hikes, or leaving a legacy for your grandkids, we’ve got your back. We treat you like family because, to us, this mission isn't just about business. It’s a personal promise Andrew made to his mother and to every retiree who has been let down by the "experts."

Protecting Your Dignity in the Red Zone

The "Red Zone" is that critical period five years before and five years after you retire. A mistake here can’t be fixed by working more overtime. Retirement should be the best years of your life, not the most stressful. You should be able to spoil your grandkids, travel the country, or just enjoy a quiet morning on the porch without wondering if a dip in the market is going to ruin your month. Being a renegade means taking control of your financial destiny. It means saying "no" to the high fee, high risk status quo and saying "yes" to protection and guarantees.

Andrew Winnett built this brand on a promise to the "underdog" retiree. We want you to retire with more than just your dignity. We want you to have the total confidence that comes from a plan that is built to last through any economic weather. If your current plan is still based on "hope" and "market potential," it’s time to upgrade it to a plan based on a legal contract. You’ve worked hard for your money for forty years. It’s time your money worked just as hard for you.

The Looming Storm of Taxes and Inflation

We can’t ignore the fact that the rules of the game are changing. Washington is looking for ways to pay for its spending, and your retirement accounts are a prime target. If you have all your money in tax-deferred accounts, you have a "silent partner" in the IRS that can raise their share of your savings whenever they want. A true renegade plan looks at tax planning as a defensive necessity. We want to help you move your money into positions where it’s protected from future tax hikes and the "hidden" inflation that eats away at your purchasing power.

We also have to talk about the cost of aging. Many of the strategies we use include ways to cover long term care costs without you having to pay for expensive, standalone insurance policies. We look for "multi-dimensional" tools that provide income if you’re healthy and extra care if you’re not. This ensures that your spouse isn't left in a lurch and your kids don't have to chip in for your care. It’s about building a fortress around your life>

Your Invitation to the Relationship Sit-Down

We don't do high pressure sales pitches. We don't have a "product of the week." What we have is a process. We start by listening. We want to know what you want your retirement to look like. Then, we educate. We use books, films, and "movie sessions" to show you the options that the big banks usually keep for themselves. Only after you understand how it all works do we even talk about products.

The "looming storm" is already on the horizon, but you don't have to face it alone. Let’s build a plan that lets you enjoy your retirement without the constant "what if" hanging over your head. You’ve earned the right to relax and stop worrying about the market. We’re here to make sure you can do exactly that. Retire with the knowledge that you’re protected, your income is guaranteed, and your legacy is secure. It’s time to be a renegade.