(But you already knew that, didn't you?)

Download Your FREE REPORT and receive optional income estimate

Get your FREE report and optional customized income estimate

Your desktop and mobile views are connected. 

Moving desktop elements between page sections will alter mobile and vice versa.

Hold ‘cmd’ or ‘ctrl’ and then drag an element to a new section to avoid changes.

Moving items within sections won’t affect the other view.

Mobile Tip

Think of your mobile view as a condensed summary of desktop. 

A. Expand the content tree to the left

B. Select the visibility icon beside the elements you’d like to show or hide. 

Hide elements as needed

All page elements should sit inside the blue page guides. Anything outside is highlighted in red.

Layout Assistant helps you get inside the bounds fast.

Good Job!

A. Navigate to Page Properties 

B. Under Layout Assistant, click “Entire Page”. Or select a page section, and apply to a section at a time.

Let’s publish (don’t worry it will only be visible to you). 

A. Click ‘Save’, 

B. Navigate back to the Page Overview screen 

C. Click Publish

But, hey! Your broker's happy!

The great 401k rip-off is real

(scroll down to see what you can do about it)

Whose retirement
are you funding?

Your 401(k) is a ravenous beast 
devouring your retirement with 
high fees, unecessary taxes, 
and enormous risk.

Perfect score,
15 years running

The retirement crisis is real, and your future well-being is on the line. The current ways of doing things are simply not working. I know it. You know it. 

But what do you do? It's a matter of trust, and the truth is you don't trust us. With good reason. Everywhere you look, people are being taken advantage of and getting conflicting advice. 

We get it. That's why our process is completely transparent, and built on guarantees, based on conservative assumptions and written plans that hold us accountable.

Give us a try. Download your report and order your fee income analysis. There is no charge, and you have nothing to lose.

As seen in...

Just spend less. Problem fixed! It’s their favorite mantra: stay invested as you are and spend less and everything will be ok. But never, ever, ever look for an alternative way of doing things. Never change the game. -The Great 401(k) Rip-off

Are you retirement ready? Do you even know how to tell?

Delaware’s “News Journal” newspaper says Dupont is offering lump-sum buyouts to nearly 10
thousand former employees, in hopes of convincing them to give up their rights to a pension.

As of 2017, the average American's 401(k) balance in 2016 was $96,495, an increase of $207 over the previous year, according to Vanguard. What's yours?

According to Kiplinger, "if your 401(k) plan uses a broker or investment consultant, as many smaller 
plans do, you may be charged an additional 2% or more in portfolio-management fees." Do you know what you're paying?

According to Dalbar's "Quantitative Analysis of Investor Behavior," The 20-year annualized return comes in at 2.5%, while the 30-year annualized rate is just 1.9%. What's your return?

"We find a retiree who wants a 90% probability of achieving a retirement income goal with a 30-year time horizon and a 40% equity portfolio would only have an initial withdrawal rate of 2.8%." -Morningstar

"If your portfolio took a 30 percent loss, the news is much more grim: You'd have a 79 percent chance of running out of money prematurely if you continued a traditional withdrawal strategy." -Forbes

 "...we find a significant reduction in “safe” initial withdrawal rates, with a 4% initial real withdrawal
rate having approximately a 50% probability of success over a 30-year period." - Morningstar

The problem is there was never a rate of return high enough to insulate yourself from a major market crash.
You must change the game and eliminate the crash. - The Great 401(k) Rip-off

"Imagine getting your father to forego his pension for the ability to gamble his hard-earned pension and savings in the stock market? I don’t know about yours, but mine would have disowned me." -The Great 401(k) Rip-off

(c) Copyright 2017, Safety First Financial Planners, all rights reserved. Investment advisory services provided by Coach Capital Management, LLC, a New Hampshire-registered investment adviser. Insurance advice and products provided through Safety First Financial Planners. Annuities and other insurance guarantees are backed by the claims-paying abilities of the companies involved. Not FDIC insured. Not investment products. All material presented on this site is intended for information purposes only. Neither this site nor any of its attendant materials are intended as, nor should be construed as investment advice. Neither Safety First Financial Planners, LLC and Coach Capital Management, LLC assume liability for acting on this information. Always consult with your own legal, accounting, or financial professional before acting on any information. 

33 Main Street, Suite 201, Nashua, NH 04064 603-881-8811 mail@safety1stfp.com

Listen to the Free Money Guys at 7:00 a.m Saturdays on WGIR and noon Sundays on WCAP

Check out these books by Stephen J. Kelley, available on Amazon.com

A study by Fidelity found that 55% of current retirees are at risk of running out of money
before the end of their lives. What are you doing to make sure you're not one of them?

Fix the following errors: