At the Retirement Money Experts, we help pre-retirees build a customized retirement income plan. We show you how much to save and where to put it by measuring your own personalized calculations.
What Our Clients Say
The Retirement Money Experts
How We Help
Accumulation and Distribution Planned Together
At the Retirement Money Experts, we help people throughout their working years—also known as the pre-retirement accumulation phase of life—as well as throughout their retirement distribution phase of life. We believe that planning to maximize your retirement income from the very beginning of your career is the best way to help you retire successfully. We base our retirement planning philosophy and process on actuarial science which includes decades of retirement data analyzed by leading academic retirement experts, like Dr. Wade Pfau.
Who We Help
How to Make the Biggest Impact
We help pre-retirees—individuals and families as young as age 25—throughout their working years to create and implement both their accumulation strategy as well as their distribution strategy together, at the same time. We also work with business owners to maximize their retirement and help with succession planning. Planning to optimize your future streams of income during retirement—years before you actually retire—can mathematically help you end up with more spendable income, in some cases, as much as 63% more.
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The Two Economic Powers Video
Did You Know?
Retirement Crisis
Three-quarters of Americans agree that the country is facing a retirement crisis.
Social Security Worries
Among non-retirees, 73% are worried they won’t receive any Social Security benefits by the time they retire.
Savings Expectations
American savings expectations for a comfortable retirement increased to $1.04 million in 2021, a 10% increase from 2020.
Social Security Income
Of retired U.S. adults, 57 percent rely on Social Security income.
When company pensions were replaced by 401(k) plans in the 1980s, people weren’t prepared. The traditional 401(k) is a great pre-tax accumulation vehicle, but when retirement time comes, you are often left with the advice to “withdraw 4%” or some other percentage: advice that could fail. You are not given the tools to plan for inflation, protect against other risks like losing a spouse or needing long-term care, much less address income taxes. At Retirement Money Experts, we use actuarial science to help our clients individually with custom plans to address accumulation and distribution as well as other risks.
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Meet The Retirement Money Experts
Utilizing the Two Economic Powers® Strategy
We are extremely honored to be affiliated with Dr. Wade Pfau, PhD, CFA®, RICP®. Dr. Pfau is Professor of Retirement Income in the PhD in Financial and Retirement Planning program, Co-Director of the American College Center for Retirement Income, and RICP® program director at The American College of Financial Services. Our firm, the Retirement Money Experts was founded by Jeff Sanger, RICP®, who serves as President and CEO. He follows the actuarial science and mathematical models laid out in the Two Economic Powers® Strategy when developing custom retirement plans for our clients.
Retirement Income Expert
The Two Economic Powers® Strategy
Tutorial Series
Watch this series of videos in order to learn what you need to know about retirement income planning! This 14-video tutorial series is designed to take you step by step through the process. Remember, starting young can make a big difference, and to do that effectively, you must plan for your end goal.
Retirement Resources
Educational Papers and Videos for You
As licensed financial advisors focused on retirement, we bring you an array of educational videos and whitepapers you can use to learn more about why we developed and recommend the Two Economic Powers® Strategy versus the traditional accumulation model that we call the One Economic Power™. We also have a wide range of animated videos and whitepapers to help you understand the often-complex concepts behind the financial services industry. Our goal is that you understand your custom plan, and the “why” behind what we do.
