The Retirement Advantage, MI

07/20/2026

Hi Friends, here is a sneak peak of my new ad that will soon be running on streaming TV including Hulu, NBC, ESPN, Fox and more. Please click the link below.

06/20/2026

I want to wish a very happy Father's Day to all our Fathers, to you or to a Father you know, and a sincere thank you to all those who love and support our Fathers.
To all the Fathers, at the end of your life it will not matter how much money you have, what your golf handicap was or anything else that is temporary, here today and gone tomorrow.
What will matter and last for all eternity is your personal relationship with Jesus Christ and the people you shared Jesus with, including your children, spouse, other family members, friends, co workers and anyone else.
Have I not commanded you? Be strong and courageous. Do not be afraid; do not be discouraged, for the LORD your God will be with you wherever you go. Joshua 1:9
Children are a heritage from the Lord,
offspring a reward from him.
4 Like arrows in the hands of a warrior
are children born in one’s youth.
5 Blessed is the man
whose quiver is full of them.
They will not be put to shame
when they contend with their opponents in court. Psalm 127:3-5
Our Father in heaven gives us all our blessings. I am blessed with four children and four grandchildren. Thank you God.
HAPPY FATHER'S DAY!
Sincerely,
Bill Duggan, Certified Financial Fiduciary

06/12/2026

Thoughts from a Certified Financial Fiduciary: June 2026

For those of you who are already clients of mine, you know you have protection of your retirement savings from risks including market loss, inflation, sequence of return and longevity.

Let me speak briefly to you folks who do not have protection from these risks, particularly market risk. As an advisor and a fiduciary, I am always transparent and am required to look out for the best interests of my clients first.

Do you know why myself and many other Safe Money advisors are in a slow period right now as far as new business coming in? Because folks are not motivated to protect their money now, when the market keeps reaching new highs. Sadly, I will get very busy again after the next big market crash, but the horse will already be out of the barn for millions of Americans.

If you believe this crazy rising market will continue throughout your years of retirement, then don’t call me. But if you know in your gut it will not, then please call. Do it for you and for your family.

The various risks to your retirement I mentioned do not include one risk that is the elephant in the room, it’s the one that quietly wipes out more retirement savings than market crashes, taxes and inflation combined. It’s the cost of care later in life.

Here’s the part most people don’t know: There’s now a way to use money you already have—with no medical exam, without losing access to it and without buying a traditional long term care policy, to protect your retirement from the elephant in the room.

Americans age 65 and older have a 7 out of ten chance that they will need long term care. Truly the elephant in the room.

Let me show you how to plan for the high probability that you or a loved one may need care. If you don’t have a plan, then you have a plan to fail, a plan to spend all of your retirement savings for care.

Give me a call and we can talk for a few minutes, never any
obligation.

Bill Duggan, Certified Financial Fiduciary

(586) 336-9588 Office

05/25/2026

Hi Friends,

This weekend, many of us will fire up the grill, enjoy time with family, and welcome the unofficial start of summer.

But Memorial Day carries a deeper meaning - one worth pausing to acknowledge.

This is a day set aside to honor the men and women who gave their lives in service to our country. Not just those who served, but those who made the ultimate sacrifice so the rest of us could enjoy the freedoms we sometimes take for granted - including the freedom to gather with the people we love on a long weekend in May.

However you spend this Memorial Day, I hope you'll take a moment to remember what it represents.

If you or your family have lost someone in service to our country, please know that their sacrifice is not forgotten.

Wishing you and your family a meaningful Memorial Day.

Warmly,

Bill Duggan, President
The Retirement Advantage, MI
Certified Financial Fiduciary® CF2

P.S. This year's Memorial Day holds special significance. On July 4, our nation will celebrate the 250th anniversary of American independence - a milestone made possible by generations of service members who defended the ideals set in motion in 1776. It's a fitting time to reflect on the cost of the freedoms we've carried forward for a quarter of a millennium.

03/26/2026

New research challenges old ideas of retirement.

03/19/2026

What is the point of retirement?

03/12/2026

Data shows retirement rarely follows a steady path.

03/05/2026

Retirement is for living, not just saving.

02/24/2026

Hello Friends, As a Certified Financial Fiduciary, it is important for me to protect my clients as much as possible from various risks to their retirement savings.

If you own securities like stocks, bonds, mutual funds and ETFs, you should know that the law allows those securities to be taken away from your ownership, in the next serious financial crisis. This has to do with the Depository Trust Corporation, known as the DTC. The DTC is custodian over trillions of dollars worth of securities held in brokerage accounts, mutual fund accounts, virtually every type of account that holds securities.

For a sneak peak of an upcoming Retirement Advantage Radio Show segment on this, you can listen now to my podcast where I discuss this. Here is the link: https://www.podbean.com/media/share/pb-rye37-1a55371

In addition to complete protection from market loss, the Safe Money strategies we use will fully protect you from this risk, one that most people are not even aware of.

Sincerely,

Bill Duggan, Certified Financial Fiduciary

The Depository Trust Corporation (DTC) could take away ownership of your securities

02/24/2026

The Depository Trust Corporation (DTC) could take away ownership of your securities