Most people think that if they’ve saved a million dollars, they’re set for life. They look at that number on a screen and feel a sense of security. But that number is a lie. It’s a lie because it doesn’t account for the three silent killers that can wipe out a nest egg faster than a market crash. Taxes, inflation, and those pesky advisor fees are constantly chipping away at your hard work. Andrew Winnett saw this reality when his father passed away at just forty-five. His mother, who hadn’t worked in twenty years, was forced back into a minimum-wage job. Why? Because the money they thought was safe was being eaten alive by “silent” fees and market volatility.
The No Advisor Fee Guarantee
The traditional financial industry is built on a model called AUM, or Assets Under Management. This basically means your advisor gets paid a percentage of your total wealth every single year. It doesn’t matter if they make you money or lose you money. They still get their cut. To us, that feels like an injustice. We believe in a different way of doing business. We offer a No Advisor Fee Guarantee. We’re paid by the providers, not by taking a chunk out of your portfolio every month.
Why Fees Matter More Than You Think
If you’re paying a 1 percent or 2 percent fee every year, that might not sound like much. But over twenty years of retirement, that can add up to hundreds of thousands of dollars. That’s money that could have gone to your grandkids’ college or a family vacation. By choosing a No-Fee Retirement Strategy, you’re keeping more of your own money where it belongs—in your pocket. It’s about protecting the underdog retiree from a system that’s designed to favor the institution over the individual.
Building a Paycheck You Can’t Outlive
The biggest fear most retirees have isn’t death. It’s running out of money before they run out of life. In the old days, you had a pension. Today, you have a 401k that’s tied to the whims of the stock market. If the market has a bad year, your retirement “paycheck” takes a hit. We don’t think that’s a way to live your golden years. You shouldn’t be checking the news every morning to see if you can afford to go out to dinner.
The Power of Contractual Guarantees
We focus on what we call “hybrid contractual products.” These aren’t the risky investments your neighbor talks about at a barbecue. These are battle-tested strategies that provide a guaranteed monthly paycheck. When you focus on securing a Retirement Paycheck that lasts a lifetime, the stress of market volatility disappears. You know exactly how much is coming in every month, and you know that check is never going to stop, no matter what happens on Wall Street or in Washington.
A Relationship Built on Trust, Not Sales
We don’t see ourselves as salesmen. We’re educational guides. We use books, films, and what we call “movie sessions” to help our clients understand the mechanics of their money. We want you to feel empowered, not confused by corporate fluff and industry jargon. This mission is personal for us. It started with Andrew’s promise to never let a client lose their money the way he saw people lose it in 2008.
The Renegade Difference
We aren’t tied to one company. We have access to over 1,200 products across 75 different institutions. This independence allows us to find the right fit for your specific family needs. Whether it’s tax planning, estate planning, or long-term care, we look at the whole picture. The No Advisor Fee Guarantee is just one part of how we protect our clients’ legacies. We treat your money with the same level of care and protection that Andrew wished his mother’s advisors had shown her decades ago.
Retirement should be a time of peace, not a time of worry. You’ve spent your whole life working for your money. Now, it’s time to make sure your money is finally working for you.