Kyle Studer

18/03/2026

Best French Toast

Where do I find this stuff?

I don’t, my wife does 👰‍♀️💁‍♀️

The kids love this and it’s super easy!

04/03/2026

What is the one thing that allows you to see around corners in retirement?

Guarantees.

When your income is guaranteed, market crashes, interest rates, and headlines lose their power over your future.

27/01/2026

Simple Financial Steps Most People Skip (But Shouldn’t)

You don’t need a perfect plan — you need a solid foundation.
Here’s a simple checklist I often share for people who want to get the basics right:

• Build a 6-month emergency fund
(If you’re starting from zero, aim for your first $1,000)

• Keep that money in a High-Yield Savings Account
Safe, liquid, and earning more than a traditional bank account

• Get your employer match in your 401(k)
This is free money — don’t leave it on the table

• Check if your employer offers a Roth 401(k)
Many plans do now, and most people don’t realize it

• Open a Roth IRA (if you’re under the income limits)
Tax-free growth and tax-free income later is hard to beat

• If your income is too high, ask about a Backdoor Roth
Done correctly, this can still create tax-free retirement income

• Pay off high-interest debt
Especially credit cards — guaranteed “returns” matter

• Review your insurance basics
Term life (if needed), disability coverage, and a simple umbrella policy

• Update beneficiaries on all accounts
Retirement accounts, life insurance, bank accounts — this is critical

• Have a basic estate plan
At minimum: a will and powers of attorney
A trust may make sense for some families

• Know your retirement income number
Monthly income matters more than a big lump sum

• Do a yearly financial checkup
Savings, debt, beneficiaries, taxes, and employer benefits

You don’t have to do all of this at once.
But getting these pieces right — in the right order — creates confidence and peace of mind.

25/01/2026

If you won the game, why are you still playing?

21/01/2026

Sequence of Returns Risk (in simple terms)

Most people are told, “If the market averages 7–8% over time, you’ll be fine.”
What they aren’t told is that the order of those returns matters a LOT once you retire.

That’s called sequence of returns risk.

Here’s the easiest way to understand it:

📉 Two retirees can earn the same average return… and still end up with very different outcomes.

Why?
Because losses early in retirement are far more damaging than losses later on.

⸻

Simple example:

Imagine two retirees:
• Both start with $500,000
• Both earn the same average return over 20 years
• Both withdraw income every year

Retiree A:
The market drops hard in the first few years of retirement.

Retiree B:
The market drops later, after several good years of growth.

Even though the average return is identical,
Retiree A may run out of money much sooner.

Why?

Because when you’re pulling income during a market downturn, you’re:
• Selling more shares at lower prices
• Locking in losses
• Leaving fewer dollars to recover when the market rebounds

That damage compounds and can be permanent.

⸻

The key takeaway:

📌 Sequence of returns risk isn’t about long-term returns.
It’s about when the good and bad years happen.

This risk is:
• 🔥 Highest in the first 5–10 years of retirement
• ⚠️ Often ignored in traditional “average return” planning
• 🧱 A major reason retirees run into income problems even with “good” portfolios

⸻

Why this matters for retirees:

Retirement isn’t just about growing money anymore.
It’s about turning savings into reliable income without being forced to sell investments at the wrong time.

That’s why smart retirement planning focuses on:
• Reducing dependence on market timing
• Creating stable income sources
• Protecting the early years of retirement

Because in retirement…
the order of returns can matter more than the returns themselves.

20/01/2026

My wife says this all the time:
“My dad always said, if you’ve got the right tool for the job, it takes a lot less effort.”

Haven’t you found that to be true over and over again in life?

I remember trying to do my first oil change in my garage.
I had a socket wrench about 5 inches long. No matter how much strain or OOMPH I put into it, that oil filter would not budge.

Meanwhile, I’m under the car, up on ramps, and it’s rocking a little.
I’m thinking, How on earth did my father-in-law get this thing off?

Turns out the problem wasn’t strength.

It was the wrong tool.

I grabbed a 14-inch socket wrench and — voilà — the filter turned with ease.

That’s a consistent and unfailing principle in life:
Use the right tool for the job.

The same applies to retirement planning.

You don’t want to strain with a 5-inch socket when a better tool exists.

Your 401(k) and IRA are excellent tools for building wealth — but they’re not designed to pay you income.

Different job.
Different tool.

Right tool for the job.

19/01/2026

One of the most meaningful parts of my day today was calling clients I first worked with years ago.

I started in the life insurance business at 24 years old in October of 2013. At the time, I was helping families put simple term life policies in place — protecting young kids, new mortgages, and growing responsibilities.

A lot has changed since then.

On my end, I’ve had four children, bought our first home, became an independent advisor, and expanded the business into retirement planning, estate planning, Medicare — while still doing what I’ve always done: life insurance.

But what really stood out today was hearing how much their lives have changed.

Some have lost a spouse.
Some have watched their children get married — and now have grandchildren multiplying.
Some are now at or near retirement.
Some have sold a home, received an inheritance, or are approaching Medicare age for the first time.

Life doesn’t stay still for any of us.

And that’s why these conversations matter.

A policy written years ago doesn’t exist in a vacuum — it lives inside a family, a season, a story that keeps evolving.

It was genuinely good to catch up.
Good to listen.
Good to talk through what’s next.

If you’re someone I worked with years ago — or if you’re in a season of transition — know this:

We can help.
Retirement planning.
Estate planning.
Medicare.
Life insurance.

The tools may change.
The conversations deepen.
But the goal stays the same: helping families navigate life well.

18/01/2026

Where FIAs quietly win (and why retirees miss it)

🔒 Fixed Index Annuity advantages:
• Principal protection
• No sequence-of-returns risk
• Tax deferral
• Contractual lifetime income
• Often higher income per dollar than bonds or dividends
• Income doesn’t drop when markets do

If you measure yield as:

“How much reliable income can this dollar safely produce for the rest of my life?”

Then FIAs often outperform everything else.

That’s why pensions worked.
That’s why Social Security works.
That’s why FIAs exist.

07/11/2022

18/10/2022

How To Make $2,000 A Day!

11/08/2022

FREE WEBINAR: HOW TO WRITE $27,000 IN FINAL EXPENSE PER MONTH (THIS SATURDAY AUG 13th 10am) -

Kyle Studer is inviting you to a scheduled Zoom meeting. Topic: How To Issue Pay $27,000 In Final Expense Monthly! Time: Aug 13, 2022 10:00 AM Eastern Time (US and Canada) Join Zoom Meeting https://us02web.zoom.us/j/5856132794?pwd=c3FPMU5Ba3NhSFVMYVEyUnFXQXZ0dz09 Meeting ID: 585 613 2794 Passcode: g...

19/01/2022

Making $2,000 A Day Selling Final Expense

Learn To Make $2,000 A Day
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