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Retirement Renegade Retirement Renegade is an independent certified fiduciary firm. We are not a brokerage. We are not tied to any product.

We are legally and ethically required to put your interests first—always. We build retirement plans designed to protect you.

09/30/2026

Most people are seeing five separate headlines right now.

Andrew Winnett believes they are not separate.

Force 1 — US national debt hits $40 trillion. 13 days later we added another $100 billion.

Force 2 — Strategic Petroleum Reserves at a 40-year low. Andrew is calling October 9th Oil D-Day.

Force 3 — Helium shortages and semiconductor backlogs are threatening the AI boom. South Korea's stock market fell 33% in one month when just two tech companies tanked.

Force 4 — A $4 trillion yen carry trade is sitting on a hair trigger. If it unwinds traders could be forced to sell US stocks and US bonds simultaneously.

Force 5 — 30-year Treasury yields at 5.34%. The highest since 2007. The US is now paying $3 billion per day just in interest on the national debt.

None of these is a bear market by itself. But Andrew does not look at them in isolation. Energy affects inflation. Inflation affects the Fed. The Fed affects bonds. Bonds affect the yen carry trade. And if the carry trade unwinds it feeds back into everything.

That is what he is watching. Not any one force. The collision.

Watch the full video and read the article → https://retirementrenegade.com/retirement-planning/five-economic-uncertainties-retirees-should-understand-now?utm_source=facebook&utm_medium=post&utm_campaign=renegade_report_11&utm_content=report_article

09/14/2026

What minute are we in?

At minute 45 of this thought experiment — the stadium is only 3% full. Five minutes later it is completely underwater. That is the power of exponential growth.

America just crossed $40 trillion in national debt. We doubled from $20 to $40 trillion in less than a decade. Andrew Winnett believes we could hit $80 trillion in five years based on the current trajectory.

But the debt is only one of six converging developments he is watching right now.

A potential bear market in the next 2 to 6 months. Iran threatening Gulf energy infrastructure. China selling US Treasuries. Stress in the bond market. The debt doom loop. And America's changing role in the global financial system.

These are not six separate stories. Andrew believes they are pieces of the same larger transition.

And the lesson from the stadium is that things can look manageable for a very long time — and then the final few minutes happen faster than anyone was prepared for.

Read the full article → https://retirementrenegade.com/retirement-planning/america-hit-40-trillion-debt-in-final-minutes/?utm_source=facebook&utm_medium=post&utm_campaign=amaericandebt_review&utm_content=read_article

📅 Book a free Clarity Session → https://retirementrenegade.com/retirement-plan-clarity-session
🎬 Stream The Retirement Reset free — promo code CLARITY → https://retirementrenegade.com/reset

08/26/2026

If you are planning to retire in the next five years — your retirement plan may be counting on stock market returns that do not show up.

Most retirement plans are modeled on historical average returns. But based on current market valuations, some long-term return projections have come in as low as 1.3% annually in real terms.

And here is what most people never think about: a 20% market decline hits completely differently once the paycheck stops.

During your working years a bad market year is painful but recoverable. In retirement you are drawing income from a declining portfolio at the same time. That combination — declining values and active withdrawals — is what most retirement plans are never stress-tested against.

It is called sequence of returns risk. And the five years immediately before and after retirement are the most financially vulnerable period of your investing life.

This week Andrew Winnett, CFF breaks down the Retirement Red Zone, the CAPE ratio, historical bear markets, and four questions every pre-retiree should ask before turning off the paycheck.

The goal is not to predict the next crash. It is to ask a better question before the market decides for you:

If the stock market does not give me the returns I am counting on — does my retirement still work?

Read the full article → https://retirementrenegade.com/retirement-planning/retirement-red-zone-return-warning-what-it-means-for-your-retirement?utm_source=facebook&utm_medium=post&utm_campaign=retirementredzone_review&utm_content=article

📅 Book your FREE 15-Minute Retirement Plan Clarity Session
https://retirementrenegade.com/retirement-plan-clarity-session?utm_source=facebook&utm_medium=post&utm_campaign=retirementredzone_review&utm_content=clarity_session
🎬 Watch The Retirement Reset FREE (Promo Code: CLARITY)
https://retirementrenegade.com/reset?utm_source=facebook&utm_medium=post&utm_campaign=retirementredzone_review&utm_content=retirement_reset

08/13/2026

Right now millions of people believe they are wealthier than they have ever been.

Retirement accounts at record highs. Home values at record highs.

But what if both of those numbers are giving you a false sense of security?

Robert Shiller — the Nobel Prize-winning economist who predicted the dot-com bubble and the 2008 housing crisis before either happened — is saying something that deserves your attention.

His CAPE ratio has recently climbed above where it was in 1929 before the Great Depression. It sits just below the peak of the dot-com bubble. Going back more than 100 years there has been only one other time the market was more inflated than it is right now.

But here is the part most people are missing.

In 2000 stocks were overvalued — but housing was not. In 2006 housing was the problem — but stocks were recovering. In both cases one asset class provided a counterbalance.

Today both the stock market and the housing market are elevated at the same time. That has almost never happened before in modern economic history.

And if you are approaching retirement or already retired — the decisions you make before the market changes matter far more than the decisions you make after.

Read this week's article → https://retirementrenegade.com/retirement-planning/robert-shiller-warning-rstocks-housing-flashing-red?utm_source=facebook&utm_medium=ad&utm_campaign=shiller_video

07/17/2026

Our very own Andrew Winnett, CFF recently joined Dunagun Kaiser at Liberty And Finance for one of the most honest retirement protection conversations you will find anywhere.

They covered The Great Taking, the next Great Depression, annuities as protection, and what retirees can do right now.

If you have been following our content, this is the conversation that ties it all together.

Watch the full interview and share it with someone who needs to hear it.

📅 Book a free Clarity Session → https://retirementrenegade.com/clarity

🎬 Stream The Retirement Reset free — promo code CLARITY → https://retirementrenegade.com/reset

06/30/2026

Retirement isn't really about money. It's about time.

Most people spend decades saving so they can finally enjoy life — then spend those very years worrying about market crashes, inflation, and whether they'll run out of money.

The greatest risk to your retirement may not be your portfolio. It may be the time you lose worrying about it.

Tom Hegna put it best: "People don't retire on assets. They retire on income."

Two retirees can have the exact same net worth — and live completely different retirements depending on how much of that money is guaranteed income versus managed assets they're constantly watching.

Watch this week's video → https://youtu.be/q7_ql8EqQhM

If you'd like a second opinion on your own retirement strategy — a free 15-minute Clarity Session with Andrew Winnett, CFF is the right next step.

📅 https://retirementrenegade.com/clarity

06/23/2026

Most retirees worry about inflation, taxes, and stock market crashes.

But after helping thousands of people prepare for retirement, there's a different risk that quietly derails more retirement plans than most people realize — and it has nothing to do with the market.

It comes from a place of love: financially supporting adult children.

A down payment here. A car repair there. Ongoing monthly help. Each gift feels small in the moment. Over years, those gifts can quietly erode the income floor your retirement plan was built to provide.

This week's video breaks down the 5 biggest retirement risks — including sequence of returns risk, which can be more dangerous than ordinary market volatility, and the overlooked risk almost nobody warns retirees about.

Watch the full video → https://youtu.be/xSpkaSjwBdo

And if you want a second opinion on your own retirement — a free 15-minute Clarity Session with one of our certified financial fiduciaries is the right next step.
📅 https://retirementrenegade.com/clarity

06/16/2026

What if your retirement account is about to become the exit strategy for some of the richest investors on Earth?

Not because you chose to invest. Not because your advisor recommended it. But because the rules were quietly changed — and your 401k index funds follow the rules, not your intentions.

Nasdaq recently approved changes allowing certain massive companies to enter major indexes faster than before. Once a stock enters a major index — funds must buy it. Automatically. Regardless of price. Billions of dollars can flow in with no vote, no valuation committee, no discussion.

SpaceX is reportedly targeting a $1.75 trillion valuation. OpenAI and other AI companies are expected to follow.

History has shown this pattern before. Railroads changed America — investors who bought at the wrong price got crushed. The internet changed the world — many investors still lost fortunes. The technology won. The early investors often did not.

Retirees do not get paid for being right about technology. They get paid for owning profitable companies at reasonable prices.

The question is not whether SpaceX is a great company. The question is whether retirement investors are being invited to the party at exactly the moment early investors are headed for the exit.

Watch this week's video → https://youtu.be/IsZTorMS_wg
Read the full article → https://retirementrenegade.com/retirement-planning/could-your-401k-buy-spacex-ai-retirement-risk/?utm_source=facebook&utm_medium=post&utm_campaign=spacex_ipo_video&utm_content=read_article

06/09/2026

"Wait until 70 for Social Security."

Most people have heard that advice so many times they have stopped questioning it.

But here is what most break-even calculators never show you: the person who waited for the largest Social Security check does not always end up with the most total money.

At 7% investment returns — some break-even scenarios push into the 90s. In certain situations the person who waited never catches up at all.

Three variables change the math completely — inflation, investment growth, and spousal strategy. Most advisors only talk about one of them.

Watch this week's video to find out which Social Security strategy actually produces the strongest retirement outcome for your specific situation.

Watch now → https://youtu.be/rBmsgA9sHSc

And if you want to see how Social Security fits into your specific retirement income plan — a free 15-minute Clarity Session with one of our certified financial fiduciary is the right next step.

📅 https://retirementrenegade.com/retirement-plan-clarity-session/?utm_source=facebook&utm_medium=reel&utm_audience=leads&utm_campaign=social_security_video&utm_content=ss_clarity_session

06/02/2026

Two retirees. Same lifestyle. Same $10,000 per month goal.

One needs nearly double the savings of the other.

Same lifestyle. Completely different math.

The difference is not luck. It is not inheritance. It is income structure.

The more dependable income you have coming in before you touch your portfolio — Social Security, pension, guaranteed income — the less pressure your portfolio has to carry. And the less pressure it carries, the smaller it needs to be.

Most people never hear this. They spend decades chasing a number instead of building an income floor.

Watch the full video → https://youtu.be/uZO59EfHSoA?utm_source=facebook&utm_medium=description&utm_campaign=income_floor_clarity_session

And if you want to stress-test your own retirement income strategy — a free Clarity Session with Andrew is 20 minutes and completely free.

📅 https://retirementrenegade.com/retirement-plan-clarity-session?utm_source=facebook&utm_medium=description&utm_campaign=income_floor_clarity_session

Address

329 S Royal Oaks Boulevard Suite 304
Franklin, TN
37064

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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