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thrivealike
WHAT WE DO
FINANCIAL SOLUTIONS FOR PEOPLE RETIRING WITHOUT A PENSION
THE #1 FEAR OF RETIREES IS RUNNING OUT OF MONEY
40% of all U.S. households, where the head of the household is between 35 and 64, are projected to run short of money in retirement.
Retiring without a pension is a specific problem
Specific problems need specific solutions
Most financial advisors today are "generalists" with little expertise in generating cash flow or who only work with a limited set of tools. Our financial professional's specific skill sets are focused on the challenges ahead that most Americans without pensions will face when it comes to growth and income for retirement.
Solutions with a thrivealike Financial Professional
Most Popular Solution:
Building a plan for the future is essential to your financial security when you don't have a pension. Our Financial Planning process will help identify the strategies, techniques and investment vehicles that best meet your needs when it comes to funding your lifestyle in retirement.
Get organized with simple, secured access to all of your accounts in one complete financial picture. Monitor your investments, track your spending, create your own financial plan...and more.
With 1 in 3 Americans owning an investment fund the value of professional management is at an all-time high. Unlock the fees, risks & opportunities your funds have with a Certified Fund Specialist®.
We know the most common
mistakes 401(k) owners and investors make when choosing their own funds. Learn how a Certified Fund Specialist® can help you avoid them.
Predictable income for life paid monthly by your own personal pension. Don't have a traditional pension? Then make one with a Certified Annuity Specialist® to create lifetime income.
Freebie Services
Most Popular Freebie Service:
Retiring without a pension means it's time to get savvy about financial planning. Kickstart your journey to financial empowerment by crafting a precise, all-in-one snapshot of your existing financial situation. On us!
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Instantly see if your nest egg will last a lifetime by testing your savings and retirement plan. Utilize "what if" scenarios to maximize the security of your financial future. All for free.
For most people Social Security is their greatest source of fixed income in retirement. See how to maximize your SS benefits and compare claiming strategies side-by-side.
Debt or Wealth? One of those two will be left behind to your family after you're gone. Which would you rather leave to your loved ones? Shop for the lowest cost term-life insurance today.
With student loans out of the way you can focus on building wealth through investments and retirement savings, ultimately accelerating your path to financial independence.
Newsletter: Investment Insights
Stay informed of valuable investing & retirement info...for free!
The Coming Retirement Income Crisis in America
Over the past 25 years the percentage of workers covered by a traditional Defined Benefit (DB) pension plan that pays a lifetime annuity has been in continual decline, leaving millions of Americans on their own to re-create their paychecks in retirement.*
An alarming number of people in the U.S. are not prepared to face the challenges of an under-funded retirement.
72%
U.S. households without a long-term financial plan
64%
Americans with less than $10,000 saved for retirement
15%
U.S. private industry workers with access to a DB pension plan
WHY WE DO IT
There is no financial aid for retirement.
(and...we don't have pensions either)
With the number of Americans retiring without a Defined Benefit (DB) pension plan increasing year-over-year the importance of managing your investments has never been more critical.
Many DIY investors have done well on their own and built significant wealth over the last decade. However, the complexities and challenges they now face in the markets are leading many of these investors to realize they don't know enough about the risks ahead to ensure that their wealth doesn't run out in retirement.
At thrivealike our financial professionals are trained to help you achieve one of the most common financial objectives in retirement planning...Growth & Income
WHO WE ARE
Funds build wealth. Annuities make it last a lifetime*.
Now more than ever, expertise matters
The Certified Fund Specialist® (CFS®) and Certified Annuity Specialist® (CAS®) designations are advanced courses administered by the Institute of Business & Finance™ containing extensive curriculum in investment funds and annuities, whose certifications have been attained by every licensed professional at thrivealike.
Sean Sullivan, Founder & CEO of thrivealike
Don't just survive alone. Thrive with us!
"Retiring without a pension is not the end of the world. You just have more work to do and more to worry about. Why? Because the burden of funding your remaining years rests on you knowing how to pay yourself from your retirement savings without running out of it. Which is why we specialize in the two most essential tools needed for long-term financial success in retirement."
Investment Funds & Personal Pensions
Certified Fund Specialist® (CFS®)
Retiring without a traditional pension means you will need your investments to last as long as possible.
Everything from mutual funds inside a 401(k) to a themed ETF inside your online brokerage account, a CFS® can help you sift through all the noise and discover the investment funds that best fit your plans for the future.
Work with a Certified Fund Specialist® to unlock the potential expenses, fees, risks and taxes that your funds will face over time, and gain insight for positioning and preparing your investment portfolio to generate income in retirement.
Certified Annuity Specialist® (CAS®)
Annuities get a bad rap because annuities aren't for amateurs. A Certified Annuity Specialist® can be your guide to what may become one of your most important assets.
Annuities provide lifetime income to millions of people across the U.S. As of 2020 there are now over $2.5 trillion worth of retirement annuities in the U.S. spread amongst different annuity types.
If your retirement doesn't include a pension then you need to change your mindset about annuities and speak to a CAS® about the lifetime income and principal protection they can provide.*
Investing on your own can feel daunting. Our Specialists are trained to sift through financial markets to identify what suits your exact goals and needs.
7,393
registered mutual funds in the U.S.5,996
number of individual stocks listed on U.S. exchanges$49.1 trillion
total amount of outstanding bonds issued in the U.S.2,632
exchange traded funds (ETF) listed on U.S. exchanges4.4 billion
number of single stock option contracts traded annually on U.S. options exchanges$2.5 trillion
amount of retirement annuities in the U.S.
IN PARTNERSHIP WITH
Not sure where to start? Schedule your free consultation with a thrivealike Financial Professional
The idea of retirement is an exciting time in one's life, but without a pension it can also be a scary prospect. One way to help ease the anxiety and become more confident about your financial future would be working with someone who is trained to find solutions to the risks and challenges you will face in retirement.
1. Share a little info
Create your financial snapshot by sharing basic information about you and your finances, what stage of Retirement Planning you are in (pre or post), and your current plan to recreate your paycheck in retirement without having a pension.
2. Free consultation
Uncover the potential of your retirement goals in just 15 minutes! Your virtual consultation with a thrivealike Financial Professional will give you an understanding of where you stand and what it will take to get you closer to financial freedom.
3. Decide to thrive
Harness the power of financial expertise with a thrivealike Certified Specialist who will create a customized plan with investment strategies tailored for you and the unique challenges you face when retiring without a pension.
Don't wait...Schedule your free consultation below
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INVESTMENT & RETIREMENT INSIGHTS
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