Danny Gudorf (01:16.43)
Most people worry about one big question when they retire. Will my money last? This fear keeps countless retirees awake at night, second-guessing their decisions and working years longer than necessary just to feel safe. In the next few minutes, I’ll expose the five hidden threats that could silently undermine your financial security and reveal
proven system we’ve developed to help hundreds of clients overcome these challenges and retire with confidence. I’m Danny Gudorf, founder of Gudorf Financial Group. Since 2012, we’ve helped over 100…
Danny Gudorf (02:32.129)
Most people worry about one big question when they retire. Will my money last? This fear keeps countless retirees awake at night second guessing their decisions and working years longer than necessary just to feel safe. In the next few minutes, I’ll expose the five hidden threats that could silently undermine your financial security and reveal the proven system we’ve developed
to help hundreds of clients overcome these challenges and retire with confidence. I’m Danny Gudorf, founder of Gudorf Financial Group. Since 2012, we’ve helped people over 50 invest smarter, reduce taxes, and optimize their retirement income. Our multifamily client office brings together financial planners, tax experts, and estate planning attorneys under one roof, ensuring all aspects
of your retirement life work together seamlessly. Today, I’ll show you how to transform your retirement worries into confidence.
Danny Gudorf (03:47.906)
What we’ve learned helping hundreds of clients is a confident retirement isn’t just about how much you save. It’s about having a clear plan to make that money last. Unlike advisors who push products, we’re different. As a fee-only fiduciary, we’re legally required to put your best interest first. We don’t sell products or earn commissions, ensuring our advice stays completely objective.
our firm has helped clients like Dan and Laura create the retirement they’ve always wanted. After 35 years for working with his company, Dan was ready for the next phase of his life. They came to us worried about running out of money and paying too much in taxes. We helped create a tax plan to pay less in taxes, spread out their savings and create a stable retirement in
Now they enjoy a retirement without any worrying about money.
Danny Gudorf (05:25.45)
Our firm has helped clients like Dan and Laura create the retirement they’ve always dreamed of. After 35 years with his company, Dan was ready for his next chapter of life. They came to us worried about running out of money and paying too much in taxes. We helped create a tax plan to pay less in taxes, spread out their savings, and create a stable retirement income plan. Now they enjoy retirement.
without having to always worry about money. But here’s the truth. Most advisors won’t tell you. There are five big threats to your retirement that need fixing if you want true retirement security. The first threat is not knowing how much you truly need. Most people have no clear picture if their savings will support their desired lifestyle. They’re guessing whether they can afford to stop work.
or if their money will disappear in 15 years. Without a system that converts your income into reliable monthly income, one that adjusts with changing market circumstances, you’re navigating blindly. You might be unnecessary delaying retirement, sacrificing precious years of freedom, and unknowingly heading towards financial hardship. This uncertainty breeds anxiety
and leads to the fear-based decisions. A precise roadmap that translates your savings into predictable income gives you the confidence to make informed choices about retirement and when you need to retire. The second threat is the tax bomb that is silently ticking in your retirement accounts. If you’re like most people approaching retirement,
The bulk of your savings sits in tax-deferred accounts like 401Ks and IRAs. What many people don’t realize is that Uncle Sam is patiently waiting for his share. Tax rates are positioned to increase in the coming years as the current tax rates expire. With increasing budget deficits, you could be pushed into a higher tax bracket just as you’re settling in to retirement.
Danny Gudorf (07:49.812)
Even more concerning is what happens when you pass these accounts to your children. Recent legislation has dramatically changed the inheritance rules. Your heirs must now empty these accounts within just 10 years of your passing. These forced distributions can schedule
Danny Gudorf (08:15.81)
This forced distribution schedule can thrust them into much higher tax brassicas.
Danny Gudorf (08:32.459)
This forced distribution schedule can thrust them into much higher tax brackets, significantly reducing the actual value of your legacy that you pass along. The third threat is market volatility. In the early years, financial experts call this
Danny Gudorf (08:59.362)
The third threat is market volatility.
Danny Gudorf (09:09.602)
The third threat is market volatility in your early years. Financial experts call this sequence of returns risk, and it can devastate your retirement plan. When markets drop while you’re withdrawing money to live on, your portfolio can suffer nearly irrevocable
Danny Gudorf (09:34.498)
When markets drop while you’re withdrawing money to live on, your portfolio can suffer nearly irreversible damages. Even if markets rebound later, research shows portfolios hit by poor returns in those crucial early years deplete much faster than those affected by downturns later in retirement. The fourth threat is hidden investment fees that sily
Danny Gudorf (10:15.502)
fourth threat is hidden investment fees that silently drain your retirement savings year after year. Many advisors and investment products charge around 2 % annually just to manage your money, plus additional fees buried within the investments themselves. This seamlessly small percentage becomes massive over a 20 or 30 year retirement, potentially consuming tens or even hundreds of thousands of dollars.
Danny Gudorf (11:01.944)
This seemingly small percentage become massive over a 20 or 30 year retirement, potentially consuming tens or even hundreds of thousands of dollars from your hard earned savings. Money that should be there funding your retirement dreams, not someone else’s profits. The fifth and final major threat is the wild card of long-term care expenses. This expense can devastate
even the most carefully constructed retirement plan. Statistics show that most Americans need somewhere from
Danny Gudorf (11:45.806)
Statistics show that most Americans will need some form of long-term care in their lifetime with nerds
Danny Gudorf (11:57.922)
With nerfing.
Danny Gudorf (12:01.741)
with
Danny Gudorf (12:05.666)
with nursing home.
Danny Gudorf (12:27.95)
Statistics show that most Americans will need some form of long-term care in their lifetime, with nursing homes costing over $100,000 annually in many areas. What most don’t realize is that Medicare only covers short-term rehabilitation stays, not ongoing care. This means these massive expenses must be paid from your own savings. Just one extended long-term care event
can rapidly deplete a lifetime of careful savings, potentially leaving your spouse facing serious financial hardship. Without proper planning for these specific risks, even millionaires can find themselves in financial distress during their most vulnerable years. If these threats seem overwhelming, I understand. But with the right approach, you can overcome them all. Imagine waking up
without financial anxiety, confident your retirement plan works perfectly, even during market volatility, and knowing exactly how much you can safely spend without the fear of running out of money. At Guder Financial Group, we’ve developed a system that addresses all five threats. We determine exactly how much you can safely withdraw using our retirement income guardrail system. Unlike rigid formulas,
that ignore market realities, our approach is a clear, dynamic monthly spending target that adjusts with actual market conditions, giving you confidence to spend when it’s safe and signals when you need to reduce your spending. We also implement tax planning strategies focused on your lifetime tax burden, not just this year’s tax return.
By analyzing your tax situation across multiple decades, we identify opportunities to reduce your overall tax liability through things like Roth conversions.
Danny Gudorf (14:46.52)
By analyzing your tax situation across decades, we identify opportunities to reduce your overall liability through strategic Roth conversions, charitable giving, and optimizing your withdrawals out of your retirement accounts. We also structure your investments using our three bucket portfolio approach that segments your assets on specific timeframes and objectives. This protects you.
from forced liquidations during market downturns and eliminating the sequence of returns risk that threatens early retirees. We eliminate unnecessary costs through our comprehensive fee audit process. By examining all of your investment expenses across your portfolio, we recommend low-cost alternatives that deliver equal or even superior performance, potentially saving you thousands throughout your retirement.
we address potential long-term care needs with a personalized care protection plan. Based upon your health history, family circumstances, and what you’ve saved for retirement, we developed the optimal protection strategy, whether through specialized insurance or asset protection planning. With these solutions,
Danny Gudorf (16:14.37)
When these solutions work together as an integrated system, each component enhances the others. The result is a retirement plan that not only preserves more wealth across taxes, markets, fees, and healthcare costs, but also allows you to enjoy today knowing your tomorrow is secure. Now, I know what you might be thinking. This sounds great, but will it work for me? And that is a fair question.
The truth is, every person’s situation is different. That’s why we do not use a one size fits all solution. Instead, we take time to understand your specific goals, concerns, and where your money=
Danny Gudorf (17:13.378)
That’s a fair question. The truth is every person’s situation is different. That’s why we don’t use a one size fits all solution. Instead, we take the time to understand your specific goals, concerns, and where your financial situation lies before making any recommendations. Our clients are typically careful savers who build up investments over $750,000.
They’re either retired or within five years of retirement. And they value expert help because they know retirement is too important to handle alone. If that sounds like you, I’d like to invite you to take the next step with our free retirement assessment. This assessment is designed to answer three key questions. Number one, are you on track for retirement? Number two, can you lower your taxes?
and three, can you improve your investment results? Here’s how it works. First, we set up a 20 minute call to make sure your situation matches what we’re good at. After all, you wouldn’t see a heart doctor for a foot problem. Next, we’ll meet with you either in person or by Zoom for about an hour. During this meeting,
Our team will get very clear on your retirement goals, what your needs are, and what you’re most concerned about. Finally, with your retirement assessment done, we’ll have another one hour meeting to go over exactly what we found and how we can improve your overall retirement situation.
Danny Gudorf (19:10.048)
In simple words, we’ll explain exactly what you can do to improve your retirement plan, lower your taxes, and make your investments better off. There’s no commitment and this assessment is completely free. It’s simply our way of showing you how we can help you before you decide to work with us or pay us any fees. As a fee-only financial planning firm, we’re held
a fiduciary standard, which means we’re legally required to act in your best interest at all times. We don’t get commissions or kickbacks, so our only reason to help is to give you the best advice possible. Let me share one more quick story. We recently worked with a client named Steve and his wife Amanda. Steve was 63 and was wondering if he needed to work full time until 65 when his company offered him
a part-time role at Half the Pay. He was worried this would hurt their overall retirement plan. But after going through our retirement assessment process, we found something amazing. Not only could Steve take the part-time job, but we found a tax planning opportunity that would save them over $800,000 in lifetime taxes. Steve had most of his money in his 401k and we saw
that without proper planning, they would face huge forced withdrawals from their accounts when he hit RMD age. This would push them into a much higher tax bracket. Instead of feeling forced to work until 65, he saw new potential options. He decided to partly retire early and now spends more time with his family at their cabin while still earning some income.
That’s the kind of freedom and clarity we help our clients get every day. If you’re ready to stop worrying about retirement and start experiencing the confidence that comes with having a clear personalized retirement plan, click the button below to schedule your free retirement assessment today. This comprehensive review will show you exactly where you stand with each of these five threats and provide specific recommendations
Danny Gudorf (21:35.47)
for your situation. Don’t leave your retirement to chance. Take control of your financial future now so you can focus on what truly matters. Enjoying life and pursuing the retirement dreams you’ve always worked so hard for.
Danny Gudorf (22:04.93)
Don’t leave your retirement security to chance. Take control of your financial future now so you can focus on.
Danny Gudorf (22:22.008)
Don’t leave your retirement security to chance. Take control of your financial future now so you can focus on what truly matters. Enjoying life and pursuing the retirement dreams you’ve worked so hard to achieve. Have a great day.
Danny Gudorf (23:09.314)
Most people worry about one big question when they retire. Will my money last? This fear keeps countless retirees awake at night, second guessing their decisions and working years longer than necessary just to feel safe. In the next few minutes, I’ll expose five hidden threats that could silently undermine your retirement security and reveal the proven system we’ve developed to help hundreds of clients
overcome these challenges and retire with confidence.
Danny Gudorf (24:02.892)
I’m Danny Gooder, founder of Gooder Financial Group. And since 2012, we’ve helped people over 50 invest smarter, reduce taxes, and optimize their retirement income. Our multifamily client office brings together financial planners, tax experts, and estate planning attorneys under one roof, ensuring all aspects of your retirement life work seamlessly together. Today, I’ll show you how to transform your retirement worries
into retirement confidence. What we’ve learned helping hundreds of clients is a confident retirement isn’t just about how much you save, it’s about having a clear plan to make that money last. Unlike advisors who push products, we’re different. As a fee only fiduciary, we’re legally required to put your interest first. We don’t sell products or earn commissions, ensuring our advice stays completely objective.
Our firm has helped clients like Dan and Laura create the retirement they’ve always dreamed of. After 35 years with this company, Dan was ready for the next phase of life. They came to us worried about running out of money and paying too much in taxes. We helped Dan and Laura create a tax plan to pay less in taxes, spread out their savings, and create a steady retirement income plan.
now they enjoy retirement without always worrying about will they have enough money. But here’s the truth that most advisors won’t tell you. There are five big threats to your retirement that need fixing if you want true retirement security. The first threat is not knowing how much you truly need. Most people have no clear picture if their savings will support their desired lifestyle.
They’re just guessing whether they can afford to stop working or if their money will eventually run out later in retirement. Without a system that converts your investments into reliable monthly income and one that adjusts with changing market conditions, you’re navigating without any interest.
Danny Gudorf (26:25.88)
you’re navigating without any instruments. You might be unnecessarily delaying retirement, sacrificing precious years of freedom, and unknowingly heading towards financial disaster. This uncertainty breeds in
Danny Gudorf (26:47.8)
This uncertainty breeds anxiety and leads to fear-based decision-making. A precise roadmap that translates your savings into predictable income will give you the confidence to make informed decisions about retirement timing and spending decisions. The second threat is the tax time bomb silently ticking in your retirement accounts. If you’re like most people approaching retirement,
the bulk of your savings sits in tax-deferred accounts like 401ks and IRAs. What many don’t realize is that Uncle Sam is patiently waiting for his share. Tax rates are positioned to increase in the coming years as the current tax rates expire. With increasing government budget deficits, you could be pushed into higher tax brackets just as you’re settling into retirement. Even more concerning though,
is what happens when you pass these accounts to your children. Recent legislation has dramatically changed the inheritance rules, and your heirs must now empty these accounts within just 10 years. This forced distribution schedule can thrust them into a much higher tax bracket, significantly reducing the actual value of the legacy they’ll inherit. The third threat is market volatility.
If you’re in your early years of retirement, this is especially important. Financial experts call this sequence of returns risk, and it can devastate your retirement plan. When markets drop while you’re withdrawing money to live on, your portfolio can suffer irreversible damage, even if markets rebound later. Research shows portfolios hit by poor returns in those critical early years deplete much faster
than those affected by market downturns later in retirement. The fourth threat is hidden investment fees that silently drain your retirement savings year after year. Many advisors and investment products charge around 2 % annually to manage your money. Plus, there’s additional fees buried within those investments themselves. These seamlessly
Danny Gudorf (29:11.618)
These seem.
Danny Gudorf (29:18.584)
These seemingly small percentages become massive over a 20 or 30 year retirement, potentially consuming tens or even hundreds of thousands of dollars from your hard earned savings. Money that should be funding your retirement dreams, not someone else’s. The fifth and final major threat is the wild card of long term care costs. This is an expense that could devastate even the most carefully constructed retirement plans.
Statistics show that most Americans will need some form of long-term care in their lifetime, with nursing home costs approaching over $100,000 annually in many areas. What many don’t realize is that Medicare only covers short-term rehab stays, not ongoing long-term care. This means that there is massive
Danny Gudorf (30:18.498)
This means these massive expenses must be paid from your own savings. Just one extended long-term care event can rapidly deplete a lifetime of careful savings, potentially leaving your spouse facing serious financial hardship. Without proper planning, this specific risk even millionaires can find themselves in a financial disastrous situation during their most vulnerable years.
If these threats seem overwhelming, I understand. But with the right approach, you can overcome them all. Imagine waking up without financial anxiety and confident your retirement plan is going to work perfectly, even during those down or volatile markets and knowing exactly how much you can safely spend without the fear of running out of money. At Goudar Financial Group, we’ve developed a system
that addresses all five threats. We determine exactly how much you can safely withdraw using our retirement income guardrail system. Unlike other rigid formulas that ignore market realities, our approach provides a clear dynamic monthly spending target that adjusts with actual market conditions, giving you the confidence to spend when it’s safe and signals to reduce your spending.
when necessary.
