06-12-25 ARI Birch Gold (TPD 2nd)

Dear Patriot,

Yesterday, I showed you how to lock in income without giving up control. But here’s the bigger picture: retirement success comes from balance—growth and guarantees.

Too much in “safe” assets? You lose to inflation. Too much chasing returns? You risk running out during a downturn. The answer? Divide and conquer.

Smart retirees structure their plan like this:

• Floor: Cover essentials with guaranteed income (Social Security, annuities).

• Growth: Use Roths, dividend stocks, or real estate to stay ahead of inflation.

• Flexibility: Keep cash reserves and taxable accounts for surprises.

The elites use this layered approach to weather anything—and sleep well doing it.

Tomorrow, I’ll show you how to stress-test your plan to see if it actually holds up under pressure

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Take charge of your future.

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Poll Of The Day

Fun Fact Of The Day

Retirees who cover their basic needs with guaranteed income are twice as confident in their financial future—regardless of portfolio size.