The Money You've Earned Should Give You Peace of Mind — Not Keep You Up at Night.
A plain-English check-up that shows you exactly where you stand — and what to do next — in about three minutes. No statements to dig up. No pressure.
Retirement Income Check-Up
3 MinutesYour money has three jobs
Every dollar you have is doing one of these jobs — or failing at it. The check-up scores all three.
Three honest questions about your money
Everything starts here — identify which job needs attention first, then choose the tool built for that job and that season.
Protect
Is your money shielded from market loss, hidden fees, and the unexpected?
DefenseGrow
Is your money working efficiently — or bleeding out to taxes that may be avoidable?
EfficiencyLast
Will your income live as long as you do — or is there a year where the math stops working?
LongevityDifferent goals. One connected journey.
The plan changes as life changes — but it stays one plan. Most people live through both seasons. The families who retire well plan for both.
Good income should feel like real progress.
Taxes, market swings, debt, and account restrictions can make a strong income feel smaller than it really is.
Retirement changes the math.
When retirement is near or already here, the priority becomes protecting what cannot be replaced.
Most people live through both seasons. The check-up starts by telling you which one you're in today — and where the journey leads next.
The quiet leaks draining your retirement
Most people discover the leaks only after they take a closer look at how their retirement money is actually used. The issue is usually leakage — not income.
The issue is often leakage, not income.
Taxes
Many retirement-account withdrawals can become taxable income when the money is finally used.
No Access / Lockup
Access before age 59½ can trigger taxes and penalties in many common retirement accounts.
Market Loss
One badly timed down year can change the whole picture — exactly when timing matters most.
Interest Drag
Mortgage and credit-card interest can quietly absorb the surplus meant to build your future.
If any of this sounds familiar, the plan can improve from here. The check-up identifies which leak is costing you the most momentum first.
A 401(k) is one tool — not the whole toolbox
The goal isn't to replace a useful tool. It's to stop asking one tool to do every job.
Keep the match. Add what's missing.
A 401(k) can be valuable — especially when an employer match is available. That match is money you should not leave on the table.
Three jobs a 401(k) wasn't built to handle
Planning GapHow to Make the Money You've Earned Protect You, Grow Safely, and Last for Life.
A short, plain-English training on the three jobs your money has to do in retirement — and the simple moves that get them right. About 12 minutes, and there's nothing to buy.
Inside this 12-minute webinar
FreeYour personalized Retirement Income Check-Up
In about three minutes you'll get the kind of clear, honest read people usually sit down with a planner to get — and it costs nothing.
Here's exactly what lands in your inbox
No mystery. About 90 seconds after you finish, you'll get a personalized report that reads like a plain-English summary — your three scores, where you're exposed, and the one thing to look at first.
It's yours to keep, whether or not you ever book a call.
3 minutes, 3 simple steps
Here's exactly what happens — no surprises.
Answer a few plain-English questions
Mostly just a few taps — about three minutes, start to finish. No numbers to dig up.
Get your scores and report
Your Protect, Grow, and Last scores plus a personalized written report, emailed within 90 seconds.
Talk it through — only if you want
Book a free conversation with Tom to walk through your results. Entirely optional.
See where you stand today
Three minutes now can save you years of wondering.
Start My Free Check-Up →Build wealth you can actually use
For the building season, the goal is usable progress — without surrendering flexibility to taxes, market drops, or account lockup.
A wealth-building account inside a life insurance policy.
Its formal name is Indexed Universal Life. The name matters less than the work it can do when structured correctly.
Not a replacement for a 401(k)What it's built to help solve
Plain EnglishEducational only — not financial, tax, legal, or investment advice. Access is through policy loans and withdrawals; policy loans and withdrawals reduce cash value and the death benefit and may be taxable if the policy lapses or is surrendered. Product availability, terms, caps, and costs vary by carrier and policy.
Secure income you cannot outlive
In the protecting season, the mathematics change. You're no longer trying to get rich — you're trying to never start over.
Its formal name is a Fixed Indexed Annuity. It's built to help create protected, predictable retirement income when timing risk matters most.
What it's built to help do
Income PlanEducational only — not financial, tax, legal, or investment advice. Annuity guarantees, including income benefits and principal protection, are based on the claims-paying ability and financial strength of the issuing insurer. Product terms, rider availability, costs, and limitations vary by carrier and contract.
Free up the fuel first
Before money can protect, grow, or last, it has to exist. For many households, the first leak is debt interest.
Interest payments can quietly consume the surplus meant for the future.
Money Max Account redirects interest strategically
Debt MethodThe Money Max Account uses a structured payoff method to redirect interest already being paid and retire debt years sooner.
The Money Max Account is a program by United Financial Freedom, available through WealthGuard. Educational only — not financial, tax, legal, or investment advice. Results and timing vary by individual circumstances.
Find out exactly where you stand
Tom Ratigan and the WealthGuard team help families and individuals protect, grow, and keep what they've earned — through up markets, down markets, and everything in between.
Start Your Free Check-Up →Retirement Income Check-Up
3 MinutesWhat you can count on
A check-up should lower your stress, not add to it. So here's our promise.
People who stopped wondering
Real WealthGuard clients, in their own words.
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Questions people actually ask
Is this a sales pitch in disguise?
Do I have to buy anything?
Will you ask for my account numbers or Social Security number?
How long does it really take?
What happens after I finish?
Is my information private?
Who is this for?
Book your free conversation with Tom
Prefer to skip ahead and talk it through? Book a no-pressure call. Tom walks you through your results and the two or three moves that fit your season — nothing to buy.
We review your report together
Your Protect, Grow, and Last scores, and where you're most exposed — walked through in plain English.
You ask anything
Taxes, market risk, income that lasts, leaving a legacy — whatever's on your mind. No jargon.
We map your next step
The two or three moves that fit your situation. No pitch, nothing to buy — just a clear path.
Start Your Free Retirement Income Check-Up
Free, personalized, and built around what actually matters: protecting it, growing it, and making it last.