Wouldn't you rather think about that than 
worry about your money all the time?
The World of Retirement Planning is Changing
In this rapidly changing world of up and down markets, longer lifespans, disappearing pensions, high long-term healthcare costs, and too many unforeseen threats to list, you must be prepared for retirement in a way your parents never were. In today's world, we are each responsible for our own well-being and prosperity. This can make planning for your future a high-risk and highly complex pursuit.
It doesn't have to be that way. The Free Money Guys® discuss these issues every week, providing insights and experience from over 40 years of helping people navigate the traps and opportunities of retirement. Explore the solutions and ideas on these pages and sign up for our FREE online "Retirement Master Class" that shows you how to take control of your financial life in retirement in 24 different five-minute installments delivered right to your inbox.


But You Have a Wild Card...
… And it ISN’T just some intangible concept on the World Wide Web or unattainable promises of risky speculation and wildly inflated rates of return. It’s something you can touch and hold, and if you listen very closely, you can hear it softly whispering the promises of an abundant, enjoyable and fulfilling future to come.
 If everything you thought you knew about your money turned out not to be true, 
when would you want to know?


There is so much  noise in the marketplace regarding income planning that it's hard to determine what's real, and what is hyperbolic misinformation designed to separate you from your money.
That's why Free Money Guys® Steve Kelley and Mark Perkins have embarked upon a mission to help boomers and seniors sort through the noise and arrive at the truth through a comprehensive program of workshops, books, radio, online mini-courses, podcasts, newspaper columns and a pressure-free coaching process, all designed around learning and education.  Together, we have assembled a set of comprehensive tools anyone can feel comfortable employing to learn what they need to know to make informed decisions.


How can you know what you should do
if you don't know what you can do?


Ready to Start Planning Your Future?
How to Begin
It's all laid out for you. Your future is just a click away. Watch a video. Sign up for an e-course. Listen to a podcast or download an e-book. 
Success is within your grasp. You just need to take action. 
The rest will take care of itself.

The 24-Day Retirement Planning Master Class E-course:

A 24-day Series of five-minute videos. Among of the subjects covered are:
What makes your process different?
We always start with the client. It's never about the money; it's always about the client's wants, needs, fears, desires, etc. Once you  understand the client's needs, the rest is easy.


Frequently Asked Questions

James G.
I've known Steve and Mark for years and recommend them to all my clients. They make so much sense, I not only recommend them to my clients, I use their services for my own finances!
Robert M.
I can't believe how great this is. I get to have all the income I need, and all of my principal is protected for my loved ones. I wouldn't have believed it if I hadn't experienced it for myself.
Day 1
Retirement Questions
Day 3
Annuity Primer
Day 4
Safe Money Contracts
Day 5
Index Annuities
Day 6
Market Like Returns
with CD Safety






I've heard never buy an annuity. Why do you think they would be good for me?
First of all, we have no idea if an annuity would be good for you...or not good for you. The problem with these broad-based statements is that they do not take into account the person's needs. If you have plenty of money and are willing to risk it in the market, perhaps an annuity is not right for you. However, if you have a limited amount of savings and want to be sure you having income for life, shouldn't you at least consider an arrangement that does just that?
How long does this process take and how much does it cost?
That's entirely up to you. We will adapt our pace to fit yours. And since we do not charge by the hour (we are paid directly by the companies we work with; it never comes out  of your money), you can take as long as you need to get the plan that fits.
What people are saying...
Your Satisfaction Is 100% Guaranteed Or Your Money Back
Wait...it's FREE!
Safety First Financial Planners
33 Main St, Suite 201 • Nashua, NH 03064
603-881-8811 • 844-4-FREE-MO

Copyright © 2015 Free Money Guys®

We offer several ways for you to learn what you can do.

Want to keep complete distance and anonymity but still learn as much as possible?

Take advantage of our local radio broadcasts or our podcast at FMGpod.comOr if you prefer, you can purchase Steve's books, Tell Me When You're Going to Die, Retirement Planning Riches, and Safe Harbors That Can Reduce Taxes, Remove Risk, and Protect Your Retirement directly from Amazon.com

Prefer a more immersive experience, but less than enthusiastic about a one-on-one meeting?

Take advantage of our online ecourses and ebooks right from the comfort of your home. Our eworkshop will deliver 24 five-minute videos right to your inbox, one each and every day, for 24 consecutive days. Watch them once, twice, or as many times as you like with no pressure and no time limit. Supplement them with our Safe Money Secrets e-book that is chock full of real world ideas and solutions that can help you have a more abundant retirement without incurring any more risk.

Want to have a more personal, but still insulated, experience?

Sign up for one of our informative, hands-on workshops in our state-of-the-art training center. You will experience the "strength-in-numbers" security of a group of other people with similar concerns in a setting that provides for deep insights into the complexities and possibilities of retirement income planning, conducted by Steve and Mark, the Free Money Guys® themselves!

Day 7
Personal Pension Plans
Day 8
Market Upside without Loss
Day 9
Guaranteed Income for Life
Day 10
The Longevity Problem
Day 13
Long Term Care Solutions
Day 17
Roth Advantage
Day 18
Estate Planning
Day 20
IRA Rollover
Day 21
Income Buckets
Day 19
Reverse Mortgage


Every Sunday at Noon, AM 980-WCAP, Lowell, MA                              
Every Tues. and Wed. at 9 a.m, AM 1590-WSMN, Nashua, NH                            

Send Me the Video CourseI am Ready to BeginSend Me the Video Course


Send Me the Video Course


I am Ready to Begin


Discover. Plan. Execute. Review and Adjust.


Our planning process, crafted over 40 years of helping people achieve financial confidence and security, usually takes three, or sometimes four, meetings. It begins with a low-key, personal interview with one of the Free Money Guys® themselves. You are never shuffled off to an associate or assistant at any point in the process. During this interview you will have an opportunity to ask any questions you like; nothing is off limits. We will describe to you our detailed planning process, and together will come to a mutual agreement as to whether you meet our three criteria:  are you coachable, can we help you, do we like each other?

Assuming all parties are comfortable moving forward, we begin your financial coaching program in earnest with a detailed fact-finding analysis. Many of our clients have told us this was the single most valuable stage of the entire program. Fact-finding employs proven interviewing techniques along with a detailed, in-depth and deceptively simple Wealth Index questionnaire that you perform at your own pace in the comfort of your home. It has been designed to produce the clearest understanding of your needs, wants, desires, fears, obstacles, and opportunities possible. 

Next we meet to go over your Personal Wealth Index and discuss what each of us has learned from it. Your coach will probe areas that appear to be in conflict or less than clear. Once all parties achieve maximum clarity and an accurate understanding of your goals and objectives, we will begin to craft your plan using our state-of-the-art-tools. In total, discovery ordinarily takes one, sometimes two, meetings.


As we move through our planning time together, we will examine every piece of the puzzle. You will receive a customized Social Security analysis that will ensure you get the maximum benefit in the best way for your circumstances. If you have one, we will help you plan your pension so that it, too, provides maximum benefits for the rest of your life. We will examine your tax situation and potential healthcare needs. We'll help you identify as many potential threats to your retirement as we can and uncover every opportunity that is available to you.

You will emerge from the process with a clear understanding of what you need, why you need it, and your sources of income for each and every year of the rest of your life. Unlike some plans that sometimes span dozens of pages, your financial plan is delivered in our unique, two to three-page format that makes it simple to understand and easy to access. You will know, with confidence, how each component fits and works with all the others, why each strategy and tool is employed, and how each one benefits you. No longer will you have a hodge-podge of different products and accounts you don't understand or know why you have or how they fit together. Rather, you will have a cohesive plan that is structured to provide lifelong income but is flexible enough to bend as future circumstances require. Planning usually takes one to two sessions.


Then, and only then, will you be asked to make a determination to move forward with the contracting phase where you sign applications and authorizations for us to move your assets and perform the agreed-upon allocations. At contracting you become our actual clients, moving your assets to us to manage on your behalf, and employing us as your advisors. Executing is a two meeting process, the first signing, and the second, delivering and reviewing the contracts. Once delivered, you will have a 10 to 30-day free look period in which you will be able to change your mind without charges or penalties. 

Review and Adjust

That's only the beginning. Each and every year there will be an annual review that is designed to compare the plan with what actually happened over time and to make adjustments as needed. We understand that the only constant in life is change. A plan is only as good as the way in which it is used, so we meet each and every year to ensure that you are achieving the intended results, and circumstances have not made your plan obsolete.

That's the Free Money Guys process. Discover, plan, execute and review and adjust. Together, so all parties have a clear understanding and common purpose.


live support chat

Or Take Advantage of our Online Resources


Podcasts and Publications


Worried about running out of money? Concerned about market risk, taxes and inflation? High fees have you frustrated? Wondering how to get the most money out of your retirement accounts without taking an exorbitant amount of risk?

Syndicated “Free Money Guy”® radio personality, author, nationally known speaker and retirement planning guru Stephen Kelley reveals the retirement planning lessons Wall Street hopes you’ll never learn in his simple, straightforward, easily approachable style. Thought provoking, sometimes funny, always insightful, and never dull, Kelley's latest book, “Tell Me When You’re Going to Die, and I’ll Tell You How Well You Can Afford to Live” is a must-read for anyone preparing for, or already in retirement.

Click on any of the above books to be taken to our Amazon page.


Check out these free tools!

Are you considering an annuity purchase? Don't buy one until you've read this special report.

What's Your Risk #?Listen to Free Money RadioHow Ready Are You to Retire?What's Your Social Security Plan?