You Know the Floor
Housing, healthcare, food — covered without a forecast.
You should not have to guess the market to pay the bills. We design an income floor for housing, healthcare, and real life — then leave room above it for travel, gifting, and joy. Strategy. Not a prediction.
Sequence of returns is not a slogan. Bad years early, same average return, opposite outcomes. A withdrawal rate is a hope with a spreadsheet.
Planning to the average means half of households outlive the math. The bills do not average.
Guaranteed income is a tool. It is not the whole plan. If all we can do is place a product, we will part as friends.
Unbridled Retirement is the income-floor conversation inside Unbridled. Sean Fitzgerald has spent 21 years sitting with couples who want to sleep, not watch a ticker.
If we cannot significantly improve your situation, we will say so. You only stand to gain.
Essential versus the life you actually want. The floor covers the first. The playcheck is the second.
Social Security timing. Guaranteed lifetime income where it earns a place. Pensions elected on purpose. Guarantees rest on the carrier.
Remaining assets for the years that make retirement worth it. Review annually. The floor stays intact.
A paycheck for the bills that do not care about the market. A playcheck for travel, gifting, and the life you said this was for.
Housing, healthcare, food — covered without a forecast.
Discretionary money that is allowed to be used, not hoarded in fear.
Sean on your side of the table. Unbridled behind him.
If the first years are ugly and you are withdrawing, the portfolio can be gone while the average return still looks fine on a slide. If you underspend out of fear, you saved a life you did not live.
If the story is bigger than the floor, you own a seminar. We will not do that.
Start here when the job of the money is a paycheck you cannot outlive. If the need is a storehouse, an estate, or a business, the rest of Unbridled is the same people.
Permanent life insurance designed so capital can grow and still be there when a deal, a tax bill, or a family need shows up.
unbridledwealth.com →
Large estates, and the premium itself can be financed so the family does not have to sell assets to fund it.
unbridled-legacy.com →
Buy-sell, key people, and succession, so the company can outlive a partner.
unbridledenterprise.com →Complimentary strategy session — in person or on Zoom. No obligation.
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