Free Retirement Planning - No Fees, No Obligations, No Worries

"I want everyone to know why I started a retirement business and why I offer free retirement planning. Quite simply, I genuinely want to help people. I want to take the time, and put in the hard work, to make a positive difference in my client's life."

-Mark Gillett, CRPC
SET Founder and CEO

Photo illustrating saving money for retirement


Saving money for retirement is the first of three building blocks to a successful retirement plan. Additionally, there are some Income Products that actually help contribute to your savings.

Photo illustrating receiving earnings on retirement savings


There are many options for receiving earnings on the retirement savings. So the options best for you depend upon your risk tolerance and your desired level of ongoing participation.

Photo illustrating paying taxes on retirement funds


As good citizens, we must all pay taxes. But, as smart citizens, we should utilize special provisions within the tax law. As a result, we get to keep more of our retirement savings and earnings.

Why Free Retirement Planning?

There is a good story that illustrates why everyone should have a plan for retirement. It goes something like this:

There was a married couple taking a drive to a vacation resort in their brand new sports car. As they got within 100 miles of the resort, they realized that they were running low on gas. Their gas gauge said 100 miles until empty. To conserve gas, they slowed down and turned off the A/C. They then continued on cautiously. They kept their eyes on the gas gauge and the road mile markers to constantly make sure they would reach their destination before running out of gas.

Upon checking in at the resort, the receptionist asked the couple if they had enjoyed the ride they had taken. The couple explained the gas situation, and how it did not allow them to focus on anything else but the gas gauge and the road mile markers. The couple then inquired as to why the receptionist asked her question. The receptionist told them that the last 100 miles of their ride was considered to be the most beautiful stretch of road in all of the United States.

Having a good retirement plan in place means you can fully enjoy the ride of your retirement, without worrying about running out of money before the ride has ended.

Photo on Free Retirement Planning page showing sports car from story

What's in Free Retirement Planning?

A Retirement Financial Plan (RFP) has at least five recommended key elements. They appear below with a brief description. To remember them, when you make a plan for retirement, you make "a wish".

(A)nnuity Product - Insurance contract providing retirement income, which can protect against out-living your retirement funds.
(W)ealth Management - Growth of retirement savings through investments in stocks, bonds, etc. primarily before retirement.
(I)UL Product - Life insurance that grows a cash value, which can be borrowed tax-free (and not paid back) as retirement income.
(S)ocial Security - A retirement program controlled by the U.S. government, which uses an income tax collected over 35 years.
(H)ealth Insurance - Medical, dental, vision/hearing, and extended care insurance for retirees and those with special needs.

As part of free financial planning, one of the services SET offers to our clients is the preparation of a detailed Retirement Financial Plan Report. Click on this link for a table of contents from a sample Retirement Financial Plan Report.

You Need a Retirement Plan Yesterday!

One of the reasons why many people put off planning for their retirement is that they are overwhelmed. First of all, there are so many financial options available. Also, the total number of companies offering those options is numerous. Wouldn't it be better if people could talk with experienced professionals that would listen and help select the options and companies best suited? SET Retirement Planning Solutions does exactly this.

Everyone has a different view of retirement. We talk with our clients to understand their retirement time frame, work status, financial goals, etc. Additionally, if they already have a plan, we review it with them, and then suggest any changes to better achieve their view of retirement.

Although it is never too late to create your retirement plan, the sooner you have a plan, the longer you have to execute it. Having your plan in place by at least age 55 is important because some very good Income Products for retirement income have a 12-year maturity period. However, if you are over 55? No problem. Many options are also available for you. Whatever your age, let us help you with your retirement plan.

Once you "SET" your retirement plan, you need only picture yourself on a beach living out your retirement dream.

Photo on Free Retirement Planning page showing a couple happy on a beach

5-Step Process to a Retirement Financial Plan

SET utilizes a simple 5-step process to develop a detailed Retirement Financial Plan for our clients. A powerful online retirement planning platform developed by RightCapital is key to the plan development. Specifically, this secure platform is the repository for all client information and provides a wealth of retirement tools and functionality. Moreover, each client has a user login to upload data, follow plan development, try "what-if" scenarios, and track future progress of their Retirement Financial Plan.

1. Initial Brief Introductory Call or Meeting

The first step in the process to a Retirement Financial Plan is to schedule the initial call or meeting for the purpose of getting better acquainted. Consequently, the key objective is for you to clearly understand the services and products that we provide (free retirement planning), and for us to clearly understand the questions and needs that you have to be addressed.

2. Data & Goals Discovery Calls or Meetings

The second step in the process to a Retirement Financial Plan is to gather all information to be used by the plan, and then to establish all retirement goals to be set by the plan. For a plan to be accurate, this step requires discussion of detailed data. Moreover, the amount of data to be discussed varies by client. Accordingly, this step may take multiple calls or meetings.

3. Plan & Recommendations Presentation

The third step in the process to a Retirement Financial Plan is to present the completed current plan. The information and goals collected in step 2 determine this plan. Additionally, if the current plan can be improved, an alternate proposed plan will be presented. This proposed plan includes recommendations that will be discussed and agreed upon for plan inclusion.

4. Implementation of Recommendations

The fourth step in the process to a Retirement Financial Plan is to implement the agreed-upon recommendations (if any) from step 3. These recommendations may be simple changes to the current plan requiring little to no additional work. Conversely, they may be complicated changes to the current plan requiring effort and coordination between us, you, and a third party.

5. Ongoing Client Support & Plan Reviews

The fifth and final step in the process to a Retirement Financial Plan is the continuous tracking of your progress to meet any financial objectives required by your plan. Of course we will be here to answer plan questions or to discuss any plan changes needed due to unforeseen life events. Additionally, you will have access to modify your plan using your online user login.

It's Time to Get Ready... Get SET!

We provide free retirement planning help with no fees and no obligation to buy anything. So what do you have to lose?