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Bob Carlson’s “Guaranteed Income Blueprint – A Great Plan or Retirement Dead Zone?

Bob Carlson’s “Guaranteed Income Blueprint

April 26, 2024 by Theodor

Bob Carlson is introduced to us as America's #1 retirement expert and he's calling the retirement blueprint of the last 40 years dead!

To comfortably retire we will need to use a new blueprint, a “Guaranteed Income Blueprint” to make safe, predictable income every month, without resorting to stock-picking or low-yield bonds.

The Teaser

Besides “once-in-a-lifetime” macroeconomic events, historic inflation, and other traumatic episodes, we are now also at the doorstep of a dangerous market pit Bob calls a “Retirement Dead Zone” (RDZ).

Source: retirementwatch.com

It turns out the claim at the beginning of the presentation about Bob being a retirement expert has some credibility.

Since 1995, he's been the chairman of the Board of Trustees of the Fairfax County Employee Retirement System, which has grown from $600 million to over $5 billion in assets. He's also authored or co-authored several best-selling books on retirement.

We have previously done an in-depth review of Bob's Retirement Watch newsletter and also revealed something he called a “Second Social Security Check.”

According to Bob, a “Retirement Dead Zone” is a phenomenon that shreds the value of our dollar by as much as 80%, turning basic purchases into backbreaking expenses and forcing droves of people into breadlines.

What is he talking about?

Simply put a “Retirement Dead Zone” is a recessionary or worse, a depression period.

The Devastation of RDZs

The first Retirement Dead Zone that America faced lasted a full decade, from October 28th, 1929 to 1940.

During this tumultuous period, the market had a negative real return. Even if we tack on an additional decade to the end of 1949, the market gained less than 2% over the 20 years from 1929-1949.

To add insult to injury, inflation also soared to more than 5% annually and the Fed hiked interest rates.

Source: retirementwatch.com

The end result was The Great Depression.

Another devastating Retirement Dead Zone marred the 1970s.

The economic devastation was kicked off by an oil embargo from Saudi Arabia, sending oil prices to over $33 a barrel.

The cost of living grew more unaffordable as inflation “officially” soared to nearly 7% and more than 4.4 million Americans were left unemployed.

This time around, it took the S&P 500 24 years to reach a breakeven point, after adjusting for inflation.

However, this may pale in comparison to what's to come…

In his decades of overseeing billion-dollar retirement funds, Bob says he's never seen a setup as devastating to the American retiree as we face today.

Thankfully, there are things we can do to not only protect ourselves, but profit from the fallout and it starts with the Guaranteed Income Blueprint.

 

The Pitch

The complete Guaranteed Income Blueprint is revealed in detail in a trio of special reports available only to subscribers of Bob's Retirement Watch newsletter.

Source: retirementwatch.com

A starter “platinum” subscription starts at $87 and comes with a 30-day money-back guarantee, the complete Guaranteed Income Blueprint for the first 500 subscribers, access to the newsletter's proprietary investment portfolios, members-only conference calls, and more.

 

The 11 Streams of Guaranteed Income

Bob is adamant the only way to avoid Retirement Dead Zones is with predictable and reliable streams of income.

These include a…

“Roaring 20s Stipend”

Which is easy to set up, and once it’s locked in, it pays us no matter what.

An Income Deduction

We've all had to pay for all our working years, which was built to support us in retirement and which we can increase with a nifty maneuver.

The Homeowner's Loophole

Those in the know have been using this tax-free, guaranteed income maneuver to pay for their living expenses, their mortgages, and even to buy a second vacation home.

A Rightful Share 

That as many as 96% of Americans are unknowingly forfeiting every year.

One Backdoor Tax Line

Which one simple line in the tax code makes it possible for nearly anyone to take advantage of.

A Medical Refund

That can be used to put up to $333 back into your pocket every month.

An Inflation Hedge Investment

That soared 2,100% higher than stocks during the 1970s Retirement Dead Zone. 

A So-Called “Hedge Fund”

Which anyone can use to protect their portfolios just like top funds do.

A Way to Turn the Tables on the Fed

By using rising interest rates to your advantage with a simple “ladder technique.”

An “Old Age Insurance” Income Stream

A risk-free income stream that never runs out and…

A Department of Labor Exemption

Which could potentially fund your dream vacation home with one little-known exemption made possible by the Department of Labor.

I'll be honest, some of these sound like made-up terms you would only find on a Reddit forum.

But believe it or not, these are the sources of guaranteed income Bob is teasing to establish lifetime financial security. Let's see if we can't find out some of them.

 

Revealing Parts of Bob Carlson's “Guaranteed Income Blueprint”

I tracked down some of Bob's 11 streams of guaranteed income, starting with our Rightful Share:

This is all about claiming social security benefits at the most optimal time.

According to financial planning advisory United Income, only 4% of retirees make the financially optimal Social Security claiming decision, with estimates that 92% of retirees would be better off waiting to claim until at least 65.

An Inflation Hedge Investment

What went up 2,100% during the 1970s?

During the decade of the “Great Inflation” from January 1970 to January 1980, silver soared 2,100%.

A Way to Turn the Tables on the Fed

The “laddering technique” is a bond investing strategy that entails reinvesting the principal from a maturing bond into a new longer-term bond to reduce interest rate and reinvestment risk.

An “Old Age Insurance” Income Stream

In this case, Bob is talking about a type of insurance product called a superannuation.

This is money set aside while you're working to support your financial needs in retirement. When you are no longer working, These funds are drawn down (subject to a maximum).

A Medical Refund

It sounds like this could be a Medical Expense Reimbursement Plan (MERP).

A MERP reimburses employees for out-of-pocket medical expenses tax-free up to an allowance amount.

As for the others, they were either too generic to pin down or they could have been any number of different things, so I opted to defer rather than look foolish.

New Retirement Blueprint or Nonsense?

There's no denying that Bob Carlson knows his stuff when it comes to investing for retirement.

There's little I can add to a certified practitioner and expert's thoughts in this area.

However, I can add some personal perspectives, which may or may not be useful to someone reading.

I've never thought about retirement in the traditional sense – work until you are retirement age, collect social security, and hopefully not kick the bucket too soon.

Since I grew up in the '90s, I just assumed there would be no social security fund by the time I reached my 60s and 70s. At least not in its current form.

So I just thought I'd do my own thing, work on stuff I genuinely enjoy rather than what's the highest-paying, create some passive income streams – which Bob recommends here, and buy a place somewhere near the beach in a low property tax locale.

I say all this to mean, that retirement is a highly personal concept and there are no one-size-fits-all investments or solutions for it.

However, I am an owner of physical silver bullion and of high-yielding, low-volatility investments. 

Quick Recap & Conclusion

  • America's #1 retirement expert Bob Carlson has a new “Guaranteed Income Blueprint” to enjoy safe, predictable income every month in retirement without resorting to stock-picking or low-yield bonds.
  • Bob has 11 streams of guaranteed income which will help us avoid a phenomenon called Retirement Dead Zones when your nest egg can shrink by over 80%.
  • The complete Guaranteed Income Blueprint is revealed in detail in a trio of special reports available only to subscribers of Bob's Retirement Watch newsletter. A starter “platinum” subscription starts at $87 and comes with a 30-day money-back guarantee.
  • We revealed part of Bob's “Guaranteed Income Blueprint” for free, which entails being strategic about what age you claim Social Security at, silver bullion, a bond investing strategy, superannuation insurance plans, and a medical refund, among other things.
  • Retirement blueprints are highly personal decisions, but owning silver bullion and passive income streams are universally good ideas.

Are you employing any out-of-the-box retirement strategies? Share in the comments below. 

Theodor


Theodor is an old school value guy, when he's not looking for great companies and great prices you can find him on the basketball court hooping.

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