Plain answers about your retirement plan.
Following Seas Retirement helps you understand market exposure, account costs and income timing, in plain language, before you decide what comes next.
Start your Retirement Risk Review →Three questions to start. No cost. No obligation. No money moved.
Three things worth understanding
A retirement balance tells one part of the story. How that money supports income tells another. Pick one and try it for yourself.
How much moves with the market?
A loss takes a bigger gain to undo. That matters more when there are fewer working years left to make it back.
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What does it cost each year?
Most account costs never arrive as a bill, so very few people know their number. Move the sliders to see what a percentage means in dollars.
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Does the order of returns matter?
Once income starts, it does. The same returns in the opposite order can lead to very different places.
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One simple step at a time
Analysis first. Education next. Your decisions stay yours.
Answer three questions
What you'd want looked at first, when income would need to start, and a rough range for what's set aside.
Perry calls you
He goes over your answers, listens to your questions, and sees whether a full review makes sense for you.
The Retirement Risk Review
A conversation with an experienced retirement planner at Leveraged Financial, the licensed insurance agency Perry works with. You leave understanding your options.
A teacher first.
I'm Perry Bonney. I grew up in Maine and I've made my home in Texas. After serving in the U.S. Navy, I worked as a classroom instructor, teaching sailors.
That work taught me something I still believe: most things make sense once someone explains them plainly and gives you time to ask questions. Retirement planning is no different.
I'm your first call. I'll listen, ask a few honest questions, and if it makes sense, set up your review. No jargon and no pressure.
“Fair winds and following seas.”
It's the Navy's send-off when a sailor retires. A following sea is one that carries you the way you're already headed. That's what a retirement plan should do.Read up before you talk to anyone
Short, plain-language guides on the three things a review looks at. Nothing to sign up for.
Why a bad first year matters more than a bad tenth year
Why the order of your returns can matter as much as the average.
Read the guide →How much of your retirement is riding on the market?
What it means, and why the answer matters more at 60 than at 35.
Read the guide →What are you paying on your retirement accounts?
The costs that never appear as a line on your statement, and where to find them.
Read the guide →Fair questions
Is the review really free?
Yes. The questions, the call with Perry and the Retirement Risk Review are all at no cost, with no obligation, and no money is moved as part of it.
Will someone try to sell me something?
The review starts with analysis and education. You can take what you learn, ask more questions, or leave your current approach in place. If a product is ever discussed, its costs, risks and restrictions are explained first.
Who conducts the review?
An experienced retirement planner at Leveraged Financial, a licensed insurance agency. Perry takes your first call and sets the review up. Perry doesn't recommend products.
Is this a personalized financial diagnosis?
No. The three questions set an agenda for a conversation. They don't calculate your risk level, project returns, or decide which strategy is right for you.
What happens to my information?
It's used to contact you about your review. It is not sold to a lead network or shared with other insurance marketers. You can opt out at any time. See the Privacy Policy.
Understand your plan before deciding what comes next.
No cost. No obligation. No money moved.
Start your Retirement Risk Review →