Ron Sneller | Beat the 4% Rule

If you’re within 5–10 years of retirement (or already retired), read this: Most people focus on growing their money… But have no real plan for turning it into income.

Start at 40 and stay consistent. Two Roth IRAs investing $7,000 each per year could potentially grow into tax-free millions by retirement. *Assuming an 8% CAGR #RetirementPlanning #RothIRA #FinancialFreedom

Starting at 45, consistent saving can create powerful, tax-free retirement income. It’s not about chasing returns—it’s about strategy and consistency. #RetirementPlanning #FinancialStrategy #WealthBuilding

Markets are often driven by stories, not facts. The danger isn’t the narrative—it’s blindly following it without understanding what’s really behind it. #MarketInsights #InvestingEducation #FinancialLiteracy

You can claim Social Security at 62—but waiting can increase your benefit by up to about 75%. #SocialSecurity #RetirementPlanning #FinancialEducation

Reminder — join us this Thursday in Brandon for our RWA – Retire Ready Seminar. Take the next step toward a more confident retirement. Message me for details. #RetirementPlanning #FinancialEducation #RetireReady

@cadeinvests I don't blame you; I do some similar things. Just pointing out that they're not all that different

@RealRonSneller I don’t count them as different. Hold VOO/QQQ in traditional and QQQ/VUG in my Roth. I could’ve done one or the other but prefer to vary the holdings.

90% of my portfolio is invested in ETFs. Here are the top 6: $VOO and $VTI Including these as one since they are about 80% similar by weight. 10 yr average annual return: 15.5%

There are more ETFs than ever—more than individual stocks. More choices can be helpful, but constantly jumping between them chasing performance often leads to worse long-term results. #InvestingEducation #ETFs #LongTermInvesting

The less I checked my portfolio, the better it performs.

Warren Buffett's Stocks Selection Checklist: P/E Ratio < 20 P/B Ratio < 2 PEG Ratio < 1 Price/FCF < 20 ROIC > 10% ROE > 20% ROCE > 20% Gross Margin > 50% "Don't just buy stocks, buy great businesses. I don't have a stock portfolio, I have a portfolio of great businesses." ~ Warren Buffett

@KurtSupeCPA Really easy solution: shift some of the money to a Guaranteed Income Annuity. They can spend & spend & spend any never worry about running out. Keep the rest invested. Occam's razor - simple. Easy. Optimal

Your advisor's fee is usually a percentage of your balance. Every dollar you spend in retirement reduces that fee. There is no incentive to teach you how to spend it. The financial industry spent 40 years training you to accumulate. The more you saved, the more they made. You may have been told not to spend your money. But Nobody showed you why. There are no profitable products to sell you on actually living your life. So after almost 30 years as a retirement planner and CPA, here's what I know. Many of the best savers I've ever met died with the most regrets. Not because they ran out of money. Because they never gave themselves permission to use it. One client drove the same car for 14 years after he retired. Ordered water at dinner. Never took a single vacation. Died with $2 million in a traditional IRA. The IRS collected more from that account than he ever spent from it in his lifetime. The discipline that built the wealth became the prison that prevented him from using it. In retirement it isn't a virtue anymore. It's may be a decision to let someone else enjoy what you built. What does the life you're saving for actually look like?

Buying ETFs doesn’t automatically make you a passive investor. If you’re constantly chasing trends and switching strategies, that’s still active investing—just in a different form. #InvestingBasics #MarketInsights #FinancialEducation

Claiming Social Security early comes with an earnings limit. Earn over $24,480 before full retirement age and your benefits can be reduced—but that limit disappears once you reach full retirement age. #SocialSecurity #RetirementPlanning #FinancialEducation

“I fear nothing, because of the promises of Heaven; for I have cast myself into the hands of Almighty God.” ~ St. Patrick

Most people treat retirement like a gamble… Hope the market cooperates. Hope nothing goes wrong. Hope it all works out. That’s not a strategy. At Sneller Financial, we don’t rely on luck — we build intentional, structured income plans designed to weather volatility and deliver confidence. Because retirement shouldn’t depend on hope… it should be engineered. If you want a plan built on purpose, not probability, let’s talk. Message me “PLAN” to start building your strategy #StPatricksDay #FinancialPlanning #retirementplanning

Happy St. Patrick’s Day — luck is great, but a solid financial plan is better. #StPatricksDay #InvestSmart #FinancialPlanning

Retail investors are having more influence than ever. What used to be driven by institutions is now being shaped by everyday investors — a major shift in today’s markets. #MarketInsights #InvestingEducation #FinancialMarkets

Join us this Thursday for our RWA – Retire Ready Seminar and take the next step toward a more confident retirement. Message me for details. #RetirementPlanning #FinancialEducation #RetireReady

A lower-earning spouse may be eligible for up to 50% of their partner’s Social Security benefit at full retirement age — a rule many people don’t realize exists. #SocialSecurity #RetirementPlanning #FinancialEducation

Tax Free Retirement Blueprint: ✅️ IULs projected to pay out $70,000 per year tax free ✅️ Income annuity pays out a GUARANTEED pension $46,400/yr ✅️ 401k distributions up to $32,300/yr. This falls under the standard deduction & is tax free ✅️ That's roughly $150k/year, tax free. Not even counting social sec! *At Age 60, there was $1 Million in the Roth IRA (assuming 8% growth); we moved half to the annuity to create the pension... So there's more than 1/2 Million still in the market growing throughout retirement to either use, or leave as a legacy tax free! Ready to get started? I can help, even if you want to do higher or lower amounts than the example. Simply send a DM, or use link in bio to schedule a consultation. *Disclaimer: IUL & Annuity numbers are based on current interest rates & performance projections. Assuming 8% CAGR on Roth IRA investments. Fees are factored in, and all projections are net of fees. #retirement #retirementplanning #investing #taxfree