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March 22, 2018
These aren’t people who have made millions by cashing in at a Silicon Valley startup or inheriting wealth, but rather hard working people who share the goal of getting more control over their future relatively early in life, so that they can pursue new passions and goals.
Note I chose the photo above since it represents something I love to do and I like the symbolism for the aspirations we have in life (conquering mountains) along with the risks (avalanches) that are out there no matter what we do. While I’m not fully financially independent — since we’re building NewRetirement, I do have a degree of schedule control that many people do not. So, I consider myself time independent and will sometimes bomb up to Tahoe.)
Anyway, here are some things I’ve noticed about the financially independent:
Imagine if you achieved financial independence either early or around a traditional retirement age:
Basically we think that if more people were financially independent or on a path to it, then more people would live richer more purpose filled lives.
JD Roth said “I help people think about their purpose as a path to happiness.” Listen to the NewRetirement podcast with JD Roth or explore ways to find purpose in retirement.
At NewRetirement, we are trying to help people get financially confident for a secure future, but also to help them unlock their full potential. In our view anyone that has a solid retirement plan that gives them visibility and confidence into lifetime income that meets their expected expenses has achieved financial independence. (Note: There’s a lot wrapped up in a NewRetirement Plan that helps you think through drawing down your assets efficiently, using Social Security, Medicare, tax efficiency, where you live, health care, etc)
We’ve spent a lot of time learning and talking with experts about how to create a successful retirement and achieve financial independence. We think we have a better way.
A friend of mine shared this Ted talk by Simon Sinek on “How Great Leaders Inspire Action.” Sinek makes the case that people care first about WHO you are and WHY you do something before the WHAT you do or HOW you do it.
So I wanted to share with you who we are, why we are doing this and where we are going.
Who: We are a team of software designers, developers, writers and podcasters who like solving really hard problems. Having helped our parents achieve a secure retirement, we discovered a huge need that we think we can solve. We want to make easy to use retirement planning systems available to everyone.
We know the financial services ecosystem and have deep experience building solutions for firms like Charles Schwab and Dimensional Fund Advisors, but feel like there are many opportunities to improve in areas like costs, transparency and making solutions easier to use.
Why: We think that for many people – there is a much better way to approach retirement. We think there is a path that leads to better results, costs less and involves less risk. We think we can help many more people get confident about retirement by making it easier for them to get organized, educated and make better choices, which in turn will enable them to pursue their passions.
For us – success looks like helping millions of people achieve confidence and financial security through the use of our platform.
Here are our beliefs and first principles:
The path to success involves tying together best practices, education, transparency, automation and behavioral finance through an easy to use scalable digital first solution.
The building blocks for people to achieve retirement security exist today, but most people don’t fully understand how to put them together in an optimal way
NewRetirement makes it easy to get on path to financial confidence through our tools and method which get you organized, educated and help you create your own plan for financial independence.
We help people create their own Living Retirement Plan. No one can predict the future, but we can anticipate what is likely to happen and create a plan that gives us confidence about our future. We want to help people get organized, get educated, understand their options and then monitor and manage their plan in an easy low cost way over time. We want to stand firmly on the side of our users.
We want to support people with different levels of service
Hopefully you’ve seen that we’ve been working hard to make the Free Retirement Planning Calculator better.
Our team has also been hard at work on PlannerPlus and we hope to have an announcement soon for our existing users. This will be rolled out in phases, but we have a vision of how we think we can help millions of users along the lines of what is laid out above. We also are learning a ton from you our users and we hope that together we can solve this problem.
Thanks for reading this – we appreciate your time. We believe that the work we’re doing can help many people get to a more secure future and hopefully contribute towards people achieving their dreams.
Any suggestions or comments on our tools, writing or podcasts are welcome. Email me anytime!
Note: We have created a private FaceBook group for our users who want to share feedback and engage with us directly – you can request an invitation here: https://www.facebook.com/groups/newretirement/
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