About Us

Hello, I’m Michael Carr

 I am a former registered investment advisor. I worked with Prudential investments in Ontario, California. 

I also have a degree in theoretical physics from the university of Wisconsin.
I love doing research. 

I used to hold many credentials that allowed me to invest peoples money into risky areas.
Now I am a completely independent retirement strategist.

You do not GET to work with a main street advisor- You have to PAY to work with a main street advisor.

You GET to work with a top independent advisor.

I am not a fan of the pay to play financial advisor game, Which is why I got out. 

This is not a problem with your advisor, I'm sure they're very nice. 

This is a math problem. 

Can a 30-year retirement sustain paying fees every year? Can your retirement also sustain a 20% or 30% loss?

Will your money even last you 30 years?

If you are uncertain, call me. I charge nothing for my time or advice. 

I specialize in moving money from risk to safety. 

 Many retirements are going to last 30 years. Lets say you pay an advisor 2% each year. How much will you pay in fees? How much have you paid in fees? Could you have done better by yourself, in low fee or non-fee Investments? After a couple of decades, don't those fees seem like they've added up to being more like a partners share? 

With Morningstar estimating 45% of seniors are going to run out of money before they die, absolutely no one can afford to have a partner in their retirement. 

About 3 years ago i got out of the managed money system. I could no longer see people lose money while I was getting paid. I do not charge my clients now. The only payment I receive is one payment from the insurance company. I never affect the amount of money you have invested. I never affect your investment results, I am not a partner in any way. 

Why do I use insurance companies?

Pensions built the American dream. Employer paid, lifelong pensions made post WWII America economically dominant.  They provided workers with unparalleled Financial stability. Insurance companies created the backbone of group pensions. In 1921 Metropolitan Life invented the first group annuity contract. 

Historically, insurance companies have been- and still are- the entities Corporations turn to when they want to unload their pension risks entirely. Corporations use pension risk transfers and pay massive premiums to life insurance companies to take over and pay out their retirees pensions permanently.

Insurance companies are in the business of retirement. They have specialized programs design for the  efficient spending of retirement dollars. Financial advisors, for the most part, are in the business of helping you accumulate money.

Thank you for stopping by.

I hope you find the information useful and informative.

Please reach out with any questions.

Please use the contact form to reach me. please put your phone number and the best time to reach you there. 

I am  a frequent guest on WJJQ radio, 92.5 FM, or through their app at the app store.

 I am also a regular guest on WJMT radio, 96.3 FM, they also have an app, and my talks are available through their audio library.

On WJJQ I’m on the second and fourth Thursday of every month at 9:35 am. I am interviewed by Jeff during his "Morning Conversation".

 On WJMT on the second and fourth Monday of every month at 9:30 AM, I’m interviewed by Laura B.

My hope is to show you that there is a safer way to guarantee your retirement. You do not need to be in the market paying management fees, Or service fees or maintenance fees or advisory fees. You can’t afford to both pay fees and lose money during your retirement. It could cost you forever. Literally.

 I have included a few of the more important discussions I have had on the radio. There is now a YouTube channel link for my videos.

Many of them are regarding the principles that managed money advisors express to almost every client. Such as we can do better than you can do by yourself. Also, the market always comes back. But the one you want to pay attention to below, is the one titled -the most powerful story I have ever heard.

This is not an opinion piece that I wrote. This is a story that the founder of Vanguard investments, Jack Bogle tells to world famous motivational speaker, Tony Robbins. If you are wondering about the truth of this article. It is from page 85 of his book Money. Master the game. It was published by Simon & Schuster, who are legendary for their legal team verifying facts prior to publishing.

Any examples given are intended for illustration purposes only.  The examples may not apply to you and are not a replacement for an individual consultation.

I am licensed in several states please reach out.

lic#2630482