Schedule Your
Smart Retirement Review
See your actual retirement numbers on a side-by-side model—built with your information, verified by math, and reviewed with zero pressure to change anything.
What You Receive
Everything Included In Your Smart Retirement Review
This isn’t a sales call. It’s a working session. You leave with a model built on your actual numbers—and a free copy of Scott’s book. Here’s exactly what that looks like:
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Your Present Plan Model—Built LiveScott maps out everything you currently have on one clear sheet: your accounts, your income sources, your risk exposure. No guessing. No generalizations. Your actual numbers.
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Side-by-Side Plan ComparisonYour current plan placed directly next to a proposed plan. You see the cost, the risk, and the gain for both—transparently, before a single move is made. No surprises. No pressure.
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Your Real Net Return—Not the Quoted AverageWe calculate your actual return after fees and taxes compound every year. Most people find their real number is 30–50% lower than what’s on their statement. Now you’ll know yours.
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A Guaranteed Lifetime Income ReviewWe model Social Security timing, rental income, and every income source—then show what a guaranteed income stream for the rest of your life could look like without market risk.
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The Personal Banking Strategy WalkthroughDiscover how to stop paying banks 80–90% interest volume and start earning on the same money you already spend—legally, safely, and using a strategy most advisors never discuss.
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A Clear Answer to “When Can I Retire?”We help you identify the right retirement date and the optimal time to start Social Security—based on your specific model, not a generic rule of thumb.
What Wall Street Won’t Tell You
- ✓You’re 40–60 and unsure whether you’ve saved enough to retire on your terms
- ✓You have an advisor you trust but still wonder if you’ll outlive your savings
- ✓You want to know the right time to retire and when to start collecting Social Security
- ✓You’re open to a second opinion that uses math—not opinions—to show where you stand
- ✓You want guaranteed income that won’t disappear in a market downturn
- ✓You want to leave a legacy for your family without a new out-of-pocket cost
“I first met Scott after being disenchanted with the stock market post-2008. He introduced me to the ‘Bank on Yourself’ strategy, and we purchased our first policies—now I have six. Thanks to him, I retired at 60. If you want help securing your financial future, Scott is the one to call.”
— Kendal F.“After 20 years as a firefighter, my retirement plan changed to a Defined Contribution, and I realized the stock market couldn’t guarantee my future. Scott introduced me to a simple, predictable plan with tax-advantaged growth that actually works. He’s been a blessing in my financial life.”
— Marty B., St. Louis, MO“Scott has been our agent since 1996, expertly guiding us through our family’s changing financial needs. His expertise has consistently made a positive impact. We’ve been extremely satisfied with McRae Agency’s services for 29 years!”
— Mike & Michelle M.The Smart Retirement Review
Still Wondering If Your Plan Is
Truly Protecting You?
You may already have an advisor you trust. These questions are still worth asking:
- Do I know my real rate of return—after fees and taxes compound every single year?
- Will my savings last if I live to 85, 90, or beyond?
- Am I starting Social Security at the right time to maximize my lifetime benefit?
- Is there a guaranteed income plan if the market drops 30% the year I retire?
- Could I increase my retirement income by 40–50% with one simple adjustment?
A Smart Retirement Review with Scott McRae gives you a complete, side-by-side model of your current plan vs. a proposed plan. You see the numbers. You verify the math. You decide. No pressure. No obligation. Just full transparency—using your actual numbers.
Take Control of Your Financial Future—Starting Now
Whether you’re 40 or 60, there is still time to recapture what’s been silently lost to fees, taxes, and interest volume—and build a retirement you can truly count on. Scroll up and choose a time that works for you.