Are you utilizing the 6 Pillars of Retirement Confidence?

Are you utilizing the 6 Pillars of Retirement Confidence?

Access Our Easy-To-Read Book: 
The 7 Steps To Retiring With More Certainty, Even In A Declining Market.

Learn how to avoid one of the biggest threats to your retirement...that almost no one ever talks about.

To retire and be able to live your life in a truly abundant way, it takes know​​​​ing that your financial picture is taken care of first.

If you're a Baby Boomer wanting to retire with a financial game plan so you can finally enjoy what matters most to you, there are 6 essential pillars you need to know about utilized by nearly all successful retirees...

1) Realistic Goal Setting

You should have a clear vision of what you want  your retirement to look like.  It should be clearly spelled out and budgeted for, and it must be realistic relative to the amount of income and assets you'll have available to you.

2) Effective Income Planning

Whether it's through optimizing Social Security and pension, or generating income through investments and annuities, your income needs to be both adequate to meet your needs and sustainable throughout your life.

3) Tax Efficiency

Not having a plan of action for tax-efficiency could have a huge impact on your retirement outcome. Things like knowing which retirement accounts to draw from first (and why) and taking advantage of a potentially lower tax-bracket could easily save you tens of thousands of dollars.

4) Investment Allocation

Proper investment allocation is always important, but even more so in retirement because of the impact a large loss could have on your outcome. How you view risk will likely be different post-retirement than in your working years, and will likely change over time as well.

5) Risk Management

Have you identified how market risk, inflation risk, longevity and sequence of returns risk might affect you?  
These are some of the most common threats to your retirement that have to be measured and dealt with in advance.

6) Evaluation Over Time

You need to have check points periodically over the years.  Were your assumptions realistic?  Are you still on track to meet your goals?  Have there been any changes in the markets, taxes or your life?  Any of these could be a reason to make adjustments or change course.

These are the 6 Pillars of Retirement Confidence.

I believe they're the key to being able to live the life you dreamed of in retirement...fully being "present" with your family and living in the moment... actually being on vacation when you travel... and finally being able to focus a little more on YOU.

My passion is teaching people about these pillars and helping to implement them in their lives.

I'm Reno Frazzitta.

I help successful Baby Boomers in Metro Detroit who want to retire and live truly amazing lives through reduced risks and  Retirement Confidence.

Retirement Confidence is having the right knowledge and understanding around your finances so you can to go into retirement with both feet and live the way you envisioned.  

It has nothing to do with the amount of money you have...

It's about understanding your retirement readiness, what your outcome will likely be in the future, and having a plan for living to the fullest extent within those means.

I believe anyone can have it, and I've built Smart Money Financial around helping people do just that.

​​​​Download One Of Our Powerful Guides Designed To Arm You with Empowering Knowledge.

7 Steps To Retiring With More Certainty, Even In A Declining Market

Market turbulence when you're retired can bring not just investment losses, but an an entirely new risk that could cause your retirement to fail.


Simply: Sequence of Returns Risk is possibly THE biggest threat to your retirement...and almost NO ONE ever talks about it.


Learn how to avoid it and retire with more certainty in this easy-reading book.

​​​The Retirement Readiness Scorecard

Anyone can go into "retirement"...

But knowing you've done some due- diligence  to ensure it's success will make a world of difference in your overall level of happiness.


This 8-point checklist will help you determine your level of readiness.






Consumer Awareness Guide To Fixed & Fixed Index Annuities


DO NOT buy an annuity until you've read this consumer awareness guide.


Deciding whether to buy an annuity (and what kind) could be one of the biggest financial decisions you'll ever make.


This guide will walk you through the important things you need to know to avoid mistakes when buying an annuity



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