Our Philosophy

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The “New Economic Normal” requires a fresh approach to planning, protecting and distributing your wealth in retirement.  With new times come new opportunities.  The client simply needs to be educated about what’s available so that they can make the best possible decision for themselves upon learning and fully understand all options available to them in retirement.

Our mission is to educate individuals how to safely navigate to and through retirement. Given the current uncertain economic climate, we achieve our mission by utilizing insurance instruments designed for people who want predictability, reliability, and safety of principal. All of our planning is based on the idea that safety is absolutely critical and paramount to success in this stage of your life, and that excessive market risk should be avoided whenever possible.

There are 3 distinct phases in your financial life cycle:

  1. Accumulation Phase — The time you’ve spent working and contributing to a nest egg in hopes that you will one day have accumulated enough money to retire comfortably.
  2. Retirement Phase — The time when you stop working, no longer contribute to your nest egg, and instead begin to withdraw from it. The focus is now on protecting your nest egg and distributing it appropriately, so that you can maintain your lifestyle and never run out of money. This is the time to establish a comfortable, guaranteed lifetime income that accounts for inflation, health needs, and potential loss of a spousal income later in life. This income stream must work in conjunction with Social Security and/or your pension. Your investment philosophy should be one built around protection and safety, in combination with a distribution strategy that guarantees, not assumes, you will never run out of income.
  3. Transfer Phase — This is the stage of your financial life cycle where assets are passed on to your beneficiaries. These assets should be distributed in ways that minimize or even eliminate taxes, hassles, and conflicts. There are multiple strategies and vehicles that can be utilized, but most often there is a “winning approach” that should be pinpointed and implemented based on your wishes.


Choosing an expert retirement specialist:

Most advisors are accumulation-phase experts, not retirement-phase experts. They work with accumulating vehicles like stocks, bonds, and mutual funds, which can offer aggressive growth, but which also pose the very real risk of losing value when the stock market suffers a loss. If the market increases so does your bottom line, but if it decreases so does your principal. There is a time and place for this type of aggressive risk—but it is NOT in retirement. Only during your working (accumulation) years should you have this philosophy, because you have the potential to recoup your losses while you’re still working and time is on your side. Once you are retired, you rely on your nest egg to grow safely without any risk of losing principal, so that it can provide income to you and your family for the duration of your life. A traditional financial advisor may claim to be capable of retirement planning, but will always recommend vehicles with some level of risk. It is a conflict of interest for a traditional broker or financial advisor to remove your assets from the volatility of the market since they receive residual payment for keeping you there. The longer your assets are at risk, the longer your broker continues to get paid. Remember, if you take a hit to your accounts in retirement you won’t have employment-related income or bonuses—not to mention time—to make up the losses.

Unfortunately, being an expert in the accumulation phase leaves a traditional financial advisor woefully unprepared to help you in the distribution or retirement phase of your financial life cycle.  The financial industry is set up in a way that encourages you to accept massive amounts of risk in this stage of your life. In contrast, our philosophy is logical: In retirement the potential for gains from a market-based “best case scenario” viewpoint is unrealistic and simply not worth the potentially devastating risk to you and your family’s financial future. If you insist on staying in the markets, you must be prepared for a “worst case scenario,” since no one can predict how the markets will perform.

Instead of relying on the markets, the Oak Harvest Financial Group Retirement Defense System uses safe solutions to guarantee a lifetime of inflation protected income that fits your current lifestyle. Our best case scenario: markets perform well and you have more income than you were guaranteed. Our worst case scenario: markets crash and you do not lose a single dollar and still enjoy your guaranteed income stream.


How can brokers and traditional financial advisors get away with placing me in risky investments in retirement?

Most brokerage firms, banks and investment banks are publicly traded companies. This means their number one priority is to increase corporate profits annually, not protect and grow your nest egg. This creates a direct and inherent conflict of interest between the consumer and their investment professionals, who represent the firms and banks. Yes, they have fancy marketing plans, commercials, and advertisements that make you feel like your retirement is their number one priority, but the fact remains that it is not. This fact is not in dispute.

At Oak Harvest, we get paid to make your money safe. We earn a living by implementing plans that are predictable and reliable. We utilize guaranteed insurance contracts that enable you to, in most cases, know the outcome before you make your decision to act.  We stress time and time again that you should make your retirement decisions based on minimum guarantees and worst-case scenarios.  This is how we plan and what we will show you in your presentation.  We call this “Seeing through the fog.”  Most accumulation phase advisors project annual rates of return of between 7% and 11%.  It’s unfortunate they do so, because we simply believe those days are gone.  When you are making retirement decisions today, it’s paramount to make them based on the worst-case scenario … not the best-case scenario that will almost certainly never occur.