Ron Sneller | Beat the 4% Rule

The 4% Rule is failing most retirees | Turn your nest egg into income you can’t outlive | Fiduciary | $40M+ Managed | 📩 DM INCOME

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

If you’re within 5–10 years of retirement (or already retired), read this:

Most people focus on growing their money…

But have no real plan for turning it into income.

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

What if your 401(k) could create a guaranteed paycheck for life?

Mike, 56, rolled over $300,000 from his 401(k) into a Fixed Indexed Annuity, protecting his money from future stock market crashes.

When he starts Social Security at age 62, his annuity will also provide $32,160 per year in guaranteed lifetime income—no matter how long he lives.

Even better, there's a 100% continuation to his spouse, and any remaining principal will pass on to their children.
That's retirement income with protection, predictability, and peace of mind.

Message me GUIDE if you would like a copy of my free retirement income guide.

#RetirementPlanning #RetirementIncome #Annuity

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

Did you know you may be eligible for a Social Security spousal benefit?

If you're married and your own benefit is lower than your spouse's, you could qualify for an additional benefit that brings your total benefit up to as much as 50% of your spouse's full retirement age benefit.

In some cases, this can mean hundreds of extra dollars per month in retirement income.

Understanding the rules can make a big difference when deciding how and when to claim Social Security.

Message me SOCIAL SECURITY for a copy of my free Social Security guide.

#SocialSecurity #RetirementPlanning #RetirementTips

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

Wealthy people don't just focus on how much they earn—they focus on how much they keep.

A great investment return can lose a lot of its value if taxes take a large portion of the gains. That's why many high-net-worth families spend just as much time on tax planning as they do on investing.

The goal isn't simply to grow your money. It's to create the most efficient after-tax income possible.

Message me TAXES for a free copy of my tax guide.

#TaxPlanning #WealthBuilding #RetirementPlanning

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

@NickKohloff "Stare down"

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

My wife was feeling sad because of the market sell-off yesterday, so I reminded her that we refinanced our mortgage at 2.75%.

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

@Mathis_io @Codie_Sanchez There's definitely some truth to that.

[Brian Feroldi @BrianFeroldi]

The stock market empowers ordinary people to build extraordinary wealth

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

What if you could protect your retirement savings from market crashes and create a paycheck for life?

Ken and Mary rolled over $400,000 from their IRA into a Fixed Indexed Annuity. Their principal is now protected from stock market losses, and in just 2 years they'll begin receiving $30,742 per year in guaranteed lifetime income.

That's a 7.69% guaranteed payout rate with no risk of losing money in the stock market.

Retirement isn't just about growing your money—it's about creating income you can count on.

Message me GUIDE if you would like a copy of my free retirement income guide.

#RetirementPlanning #RetirementIncome #Annuity

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

One of the most overlooked Social Security planning issues is what happens when a spouse passes away.

Many couples assume both Social Security checks will continue. They won't.

The surviving spouse keeps the higher of the two benefits, while the smaller check disappears completely. For some households, that can mean a significant reduction in monthly income right when it's needed most.

Understanding survivor benefits is a critical part of retirement planning and can help you prepare for the unexpected.

Message me SOCIAL SECURITY for a copy of my free Social Security guide.

#SocialSecurity #RetirementPlanning #RetirementIncome

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

What if part of your retirement savings could be turned into a guaranteed paycheck for life?

Sandy, 63, repositioned $440,000 into a strategy that will provide over $37,000 per year in guaranteed lifetime income starting at age 65.

No stock market risk. No guessing. Just predictable retirement income she can count on.

Retirement isn't just about building wealth—it's about creating income.

Follow for more financial education and retirement planning tips.

#RetirementPlanning #RetirementIncome #FinancialEducation

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

@HeroDividend 😅😅😅😅

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

A market crash is stressful for investors. It can be devastating for retirees.

When you're taking withdrawals during a downturn, you're selling assets while they're down, which can put additional pressure on your portfolio and make it harder to recover.

That's why many retirees choose to protect a portion of their assets with guaranteed income strategies that can provide reliable income regardless of what the market is doing.

Retirement isn't just about growing your money. It's about protecting your income.

Message me GUIDE if you would like a copy of my free retirement income guide.

#RetirementPlanning #RetirementIncome #Annuity

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

Your 401(k) balance isn't entirely yours.

Every dollar in a traditional 401(k) or IRA belongs to two people: you and the IRS. The real question is how much of it you'll get to keep when it's time to start taking withdrawals.

Many people assume today's tax rates will still be around when they retire. That's a risky assumption.

That's why smart retirement planning isn't just about growing your money—it's about creating tax-efficient income and giving yourself options in retirement.

Message me TAX for a free copy of my tax guide.

#RetirementPlanning #TaxPlanning #401k

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

One of the biggest Social Security mistakes is claiming too early without understanding your options.

While you're eligible to start benefits at age 62, every year you delay can increase your benefit by roughly 8% until age 70. In some cases, that can mean a benefit that's about 75% larger than if you claimed at 62.

And here's the kicker: future cost-of-living adjustments are calculated on that larger benefit amount.

For many retirees, it can pay to wait.

Message me SOCIAL SECURITY for a copy of my free Social Security guide.

#SocialSecurity #RetirementPlanning #RetirementTips

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

What if your retirement income was guaranteed no matter what the stock market does?

Mike and Shannon rolled over $770,000 into a Fixed Indexed Annuity, protecting their money from market losses. In just 2 years, they'll begin receiving $62,000 per year in guaranteed lifetime income.

No worrying about market crashes. No wondering if the economy will impact their retirement paycheck.

That's the power of turning a portion of your retirement savings into predictable income you can't outlive.

Message me GUIDE if you would like a copy of my free retirement income guide.

#RetirementPlanning #RetirementIncome #Annuity

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

Most people don't have an income problem—they have a cash flow problem.

If you don't know where your money is going each month, it's almost impossible to build wealth.

A budget isn't about restricting yourself. It's about giving your money a purpose. Even finding a few hundred dollars a month in unnecessary spending and redirecting it toward savings or investments can make a massive difference over time.

Small changes today can create financial freedom tomorrow.

Follow for more financial planning tips.

#MoneyManagement #FinancialPlanning #WealthBuilding

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

What if you could turn a portion of your retirement savings into a guaranteed paycheck for life?

Frances and Michael, both 66, rolled over $335,000 from an IRA into a Guaranteed Income Annuity and immediately created $24,120 per year in guaranteed lifetime income.

That's a 7.2% payout rate with no risk of losing money in a stock market crash.

Retirement isn't just about growing your assets—it's about creating income you can count on.

Message me GUIDE if you would like a copy of my free retirement income guide.

#RetirementPlanning #RetirementIncome #Annuity

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

Most people spend more time checking social media than they do checking their finances.

One hour a month reviewing your spending, debt, and savings can help you spot wasteful subscriptions, unnecessary expenses, and opportunities to improve your financial future.

Small habits create big results over time.

Follow for more financial planning tips.

#MoneyTips #FinancialPlanning #WealthBuilding

[Ron Sneller | Beat the 4% Rule @RealRonSneller]

Thinking about claiming Social Security early?

Here's something many people don't realize: if you claim benefits before reaching Full Retirement Age and continue working, your benefits could be reduced if your income exceeds the annual earnings limit.

Once you reach Full Retirement Age, that earnings cap disappears, and you can earn as much as you want without reducing your Social Security benefits.

Understanding the rules before you claim could save you thousands.

Message me SOCIAL SECURITY for a copy of my free Social Security guide.

#SocialSecurity #RetirementPlanning #RetirementTips