00
Days
Watch Marcus Calderon run the numbers live on screen, then check your own plan against the five gaps before you retire on top of one.
Live on Zoom · Wednesday at 6:00 PM Pacific · Free to attend
This Wednesday · 6:00 PM Pacific · Live on Zoom
No cost to attend. No products sold at this event. Bring your spouse, every one of these decisions is a joint decision.
Every piece of your plan was built by someone who could only see their own piece. Your 401(k) provider sees one account. Your CPA sees one tax year. The gaps are in between, which is exactly why nobody has ever pointed them out to you.
Watch a real balance get converted into a monthly income figure, live on screen, then see what happens to that figure at 85, at 92, and if one spouse passes first. Most attendees have never seen this done with their kind of numbers.
Social Security was designed to replace about 40 percent of pre-retirement earnings. We will run the arithmetic on screen: two benefit checks in, one set of real monthly expenses out. The number left over is the reason this training exists.
The balance on your statement and the amount you can actually spend are two different numbers, and the difference surprises almost everyone. Plain-language explanations of required minimum distributions, tax brackets, and why the order of your withdrawals matters.
A retirement account does not care what your will says. The beneficiary form controls, and it is often the oldest document in the file. You will check yours live, on your phone, during the session. We will also walk through what probate can cost your family and why an unfunded trust does nothing.
Your CPA, your attorney, and your 401(k) provider are each doing their job correctly inside a boundary nobody drew on purpose. Pulling it into one written plan is not anyone's job. That is the gap this session is really about.
This is a working session, not a lecture. Have your most recent statement nearby and you will leave with answers of your own.
Free to attend, live on Zoom, from your living room.
Marcus Calderon is a Senior Consultant at Integrity Independent Financial & Insurance Services in Chino Hills, an independent firm whose leadership carries over 100 years of combined planning experience, and whose entire model is built on one idea: when it comes to retirement, you have to look at everything.
Marcus leads the firm's retirement planning work for households entering retirement. He is the advisor whose basic housekeeping question uncovered an empty beneficiary form on a substantial 401(k). He has sat beside estate counsel through more than 100 living trust deliveries, personally handles the trust funding work most offices skip, and works cases every week with a national network of advisors who have spent 25 to 30 years in practice.
His conviction is simple: if you are going to retire, you need a well stress tested, written retirement plan that provides for reliable lifetime income. Not a statement balance and a hope. A written plan.
Marcus is not an attorney, not a CPA, and does not manage securities himself. Estate documents are drafted by licensed California counsel, and investment management is provided separately through the firm's registered investment advisers. He will tell you exactly where his job ends and someone else's begins.
Names withheld and details generalized to protect client privacy. These are shared to illustrate why paperwork most people never look at deserves attention, not to promise any particular result.
A client with a substantial 401(k) insisted everything was fine and he did not need help. Marcus asked him to verify his beneficiary designations as basic housekeeping. He called back the next week: nobody was listed on the account at all. Had something happened to him, that account would not have gone where he assumed.
A client completed her living trust and powers of attorney about a year before her dementia advanced. Her son later thanked Marcus in person: without those documents in place while she could still sign them, the family would be struggling through courts instead of caring for their mother.
A client put life insurance in place about two years before a serious cancer diagnosis. Nobody plans the timing of bad news. Because the coverage existed before it arrived, his wife will have a benefit, and the family's plan holds even in the hardest scenario.
These accounts describe individual circumstances and are not a guarantee of any outcome. Every household's situation is different, which is the entire point of the training.
No products are sold at this event, and here is the disclaimer Marcus opens every event with: you have his permission to say no. Time is set aside afterward for people who want help, and nobody is forced to set an appointment. If you come, learn something useful, and confirm your house is in order, that is a complete outcome and a good night.
Good news, and Marcus will tell you so. Most advisors specialize in growing money, which matters. This training is about the other half: turning savings into income, managing taxes on the way out, and making sure everything transfers to the right people without a court in the middle. If your current advisor covers all of it in writing, this session will confirm you are in good hands.
Marcus' honest answer: we don't know that yet, and neither do you, which is the problem the training solves. The five gaps apply whether your savings are modest or substantial. Even a household living mostly on Social Security has an election timing decision worth getting right.
Fair question, and Marcus hears it. His answer: at Integrity, no case is ever one person's opinion. Behind every plan sits leadership with over 100 years of combined planning experience and a national network of advisors, many 25 to 30 years in practice, that Marcus works cases with every week. He has sat through more than 100 living trust deliveries beside estate counsel. You are not hiring one advisor. You are hiring the firm's entire bench.
There is an hourly rate, and Marcus waives it on purpose, because a clock in the room prevents the honest conversation the work requires. If everything checks out, you leave with your answers and he asks for a referral instead of a fee. Where he can be compensated is explained out loud, in plain numbers, before any decision is made. That is the whole catch.
Free to attend, live on Zoom, and built for CA, AZ, and NV homeowners age 50-60+ who want a predictable monthly retirement paycheck without guessing whether their savings will last. Attend from your living room, and bring your spouse: every one of these decisions is a joint decision.
Save My Seat Now