The Smart Money Pro

The Smart Money Pro Retirement and Income Specialist.

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08/04/2026

I posted a similar reel the time we were here… the day before the Lahaina fire.

Didn’t realize how emotional it was until we got back. Posting this to honor the people of Maui and Lahaina..

And eternally grateful I still get to work from one of the most beautiful places on Earth.

07/17/2026

Would you rather risk it all or at least get the most of both worlds? It’s smart to have a growth with safety bucket. Especially as we get closer to “that age”. Even in retirement this is a smart way to turn your old 401k or IRAs or a portion of your portfolio into sound and stable funds. And have an option of turning it into lifetime income. That you can’t outlive. Ever.

For more info drop “indexed” below.

Hey, did you know the guesswork is over? Yup, indexing strategies inside an IRA or Roth IRA like a fixed indexed annuit...
06/30/2026

Hey, did you know the guesswork is over? Yup, indexing strategies inside an IRA or Roth IRA like a fixed indexed annuity where YOU decided to lock in your interest is a ridiculously cool thing.

You get to control when you want to lock in the interest. For good. I know... "what the heck is she talking about?"

Well, let's say you see your account value go up 18% you can lock that in and never lose one penny of it to risk if the market drops. Ever.

Let me repeat. If you lock in 18% gains and the market starts taking a downward turn and loses 15%, you have LOCKED in your 18%. It's called volatility control. So instead of having to even think about a crash, recession or anything of the like, you just have to decide when you want to grab the upside.

Did I mention participation over 100% and bonuses? OH and you can also control your floor. In case the market slips, you can say if it drops to 10%, I want to lock that in so I don't risk earning 6%. Your worse case, you earn 0%. Worse case. Let that sink in.

I hope this makes no sense because your advisor has not told you about it. Most won't. Or don't because they simply don't offer it.

I would love to work with more Financial Advisors on creating a shield around their client's portfolios. Imagine offering guarantees to secure your client's peace of mind. Now that's working together.

I'm happy to forward a free report on this very strategy if you reply "LOCKED" below.

-Rebekka, The Smart Money Pro, LLC

06/16/2026

Market risk is not necessary as we get closer to retirement. So why risk the opportunity to lock in 10-12% or more gains if you don’t have to? And never lose money in a downturn, crash or recession?

The big returns sound great but what happens when the market drops 10, 20, 30%? On paper the math will surprise you.

The smart strategy is knowing you can do both. And it has been proven to keep retirement portfolios healthier longer with better results.

To learn more about indexing strategy comment “smart” for a free report.

06/10/2026

The Rule of 72 and how money compounds can either worn for or against you.

Take 72 and divide it by the amount of interest you money makes and that equals the number of years it takes for your money to double.

Same applies when you have debt like credit cards and works against you. 72 divided by 26 (percent interest being charged) means your debt doubles every 2.7 years if you don’t have a system for paying it off correctly.

That’s the feeling of never getting ahead.

If you want a free system and tool just reply “debt free” below. Nothing expected in return.

Smart money is taking control of your money and keeping more for yourself to grow!

06/10/2026

Money grows just three ways:

1. Fixed: bank accounts, CDs that don’t outpace inflation. They seem safe but your dollar depreciates over time. Plus, if you’re getting .3% in your savings account that means it would take 240 years for your money to compound and double.

2. Variable: that’s in the market on the roller coaster of Wall Street. Love it when it grows. Feel nauseated when it takes a negative turn. Pretty much everyone’s 401k, Roths and IRAs are exposed to the risk of variable growth. But there is a third way in which those same accounts can grow..

3. Indexed: Money grows by tracking a market index like the S&P or Nasdaq without being exposed to losses. The gains these accounts earn are locked in once they earn them. They have a zero floor which means they can never go negative. Yes, 401ks, Roths and IRAs can use these strategies. Especially important as you get closer to retirement!

For more detailed information on the Rules of Money drop “Money” in the comments.

06/09/2026

Two ways to avoid risk as you head into retirement with your 401k or IRA that you can do today.

1. Roll those funds to an indexed strategy asap. Your money is now protected from market downturns, crash or recession. It grows alongside a market index but if there is a downturn the 0% floor protects your gains guaranteed.

That’s real protection against sequence-of-return risk especially when you start taking money out for income.

Market volatility while withdrawing funds can deplete a retirement account fast.

2. Roth Conversion: start taking chunks and convert it to Roth so your money grows and when you start taking money out, it’s all tax never again.

This also allows you to pay your taxes in a controlled and strategic way.

Roth conversion also avoids RMD or required minimum distribution at age 73. In a deferred 401k or IRA you are forced to take a certain amount or money out every year whether you want to or not. If you don’t, you are heavily penalized.

Roth conversion avoids that!

Two powerful ways to avoid market risk and higher taxes later that are easier to do than you think.

For a full report on these strategies comment “strategy” in the comments below.



Disclaimer: This video is intended for strategies and information. I do not give tax advice. Please see your tax professional for legal tax advice.

06/04/2026

8.83% Vs 7.48% average interest earned. Which is the clear winner?

Even when capped growth, the results may surprise you

06/03/2026

For risk averse folks who worry about withdrawing money from your nest egg while still being exposed to market downside. Sequence-of-return risk is a big deal. The math may surprise you.

Any further questions… my door is always open.

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