You’ll know your L-FOB is real because we abide by four strict rules when building your optimized plan and calculating your L-FOB.

We will not use an inflated rate of return. Whatever rate of growth we agree during the discovery meeting will be used to project both your current plan – and your L-FOB optimized plan.
We will not ask you to save more money or reduce your current lifestyle. You may decide later in the process that you want to save more – but to keep the L-FOB strictly apples-to-apples – we won’t incorporate increased savings into the math.
We will not ask you to take on more investing risk. In fact, it’s almost 100% certain that we’ll reduce your investment, longevity, and liquidity risk – significantly.
We will not use strategies, products, or plans you will not consider. We’ll discuss each during the discovery meeting, and if you say ‘no’ – those won’t be included in the calculation of your L-FOB.

Refund Policy