Free Masterclass · One Session
Discover Alternative Strategies Supercharge Retirement Income A Free Saturday Masterclass
Most retirees are shown a single way to turn savings into income, and asked to decide. There is almost always more than one. Some of these alternative strategies, structured properly, have the potential for double-digit annual returns — and like anything with that potential, they carry risk worth understanding before you act.* We also walk through a cutting-edge strategy for Roth conversions — and when it is worth doing at all.
Save My Seat — It’s FreeFree to attend · Nothing sold on the call · *Returns are not guaranteed — see disclosure below
See the Full Menu
Guaranteed, alternative, or a combination of both. You cannot weigh options you have never been shown.
Compare on Five Things
Income, safety, liquidity, growth and legacy — not just whichever number happens to be largest.
Start With the Outcome
Not with a product. Decide the retirement you want first, then work out which mix may get you there.
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September 26
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What This Masterclass Covers
Most Retirees Are Shown One Option.
There Are Usually More.
Accumulating the money was the first half. Once you retire it has a different job — it has to produce income — and how you structure it may matter more than how much of it there is.
The traditional 4% withdrawal approach is one answer. A standard annuity is another. Both can be right, and both are frequently presented as though they were the only two. This hour is about the rest of the menu: alternative income-producing strategies, what they do well, what they do badly, and how a combination compares against any one of them on its own.
We also cover Roth conversions — a cutting-edge approach to the timing and sequencing of them. Converting is not automatically the right move, and the difference between a conversion that helps and one that simply moves a tax bill forward is mostly in when and how much.
Some of these strategies carry meaningfully higher return potential than a standard withdrawal plan — into double digits annually when they are structured well. The phrase doing the work in that sentence is structured well. Higher potential return comes with higher risk, less certainty, and in many cases less access to your money. Which is exactly why an hour spent understanding them beats a decision made on a single slide.
You will not be asked to choose anything on the call.
Save My Seat →Why This Matters Now
One Strategy Is a Decision. Four Is a Comparison.
The strategy you pick to turn savings into income shapes the retirement you can afford — and most people pick from a list of one.
The 4% Rule May Not Produce What You Need
Withdrawing a fixed small percentage each year is the common starting point, and for a lot of retirees the monthly figure it produces is well below the retirement they had pictured. It is worth running that number honestly before it quietly becomes the plan — which is the first thing this session does.
The Highest Guaranteed Payout Is Not the Only Question
Annuities can provide real guarantees and predictable income. But the largest payout number is one variable among several. Is the money accessible? Can it still grow? What is left for the people after you? A single figure cannot answer all four.
Your Income Does Not Have to Come From One Place
Instead of “which product should I buy”, the more useful question is “what combination produces the outcome I want”. That may mean guaranteed lifetime income, alternative income-producing strategies, or both together — weighed across income, protection, access, growth and legacy.
You May Not Need to Save More
Changing your retirement income does not always require another $100,000 in the account. It may require structuring what you have already accumulated differently. That is the thing this session is built to examine.
The Shift
Starting With the Product.
Or Starting With the Outcome.
Two people can retire with identical balances and end up with very different monthly income. Usually the difference is not what they saved. It is the order the decisions were made in.
Start With the Product
Someone presents one strategy — often a good one — and the conversation becomes whether to take it. Everything that was never mentioned stays never mentioned, and the decision gets made against a list of one.
Start With the Outcome
Decide what the retirement needs to look like, then work backwards through every strategy that could contribute to it and compare them on the same five measures. The product becomes the last decision instead of the first.
None of this says annuities are wrong, or that alternatives are better. It says a comparison beats a recommendation, and you can only compare what has been put in front of you.
September 26
The Agenda
What You’ll Walk Away
Understanding
The difference between guaranteed and non-guaranteed income-producing strategies — what each one is actually promising, and what it is not
Which alternative strategies may apply to your situation, and just as usefully, which ones do not
How the 4% withdrawal approach compares against other ways of producing the same monthly income
Where Roth conversions fit — the cutting-edge approach to sequencing them, and the situations where converting is the wrong move
What a conversion actually costs you now versus what it may save later, and which of the two matters more given your own timeline
What “structured properly” actually means — the factors that separate a strategy performing as intended from one that disappoints, and the risks that come attached to higher return potential
Where annuities fit in an overall plan — and where they may not be the right tool for the job
How to weigh any strategy on five measures at once: income, safety, liquidity, growth and legacy
Why putting everything into one solution is usually a function of it being the first option shown, not the best one available
Your Hosts
Meet Alvin Ubaldo & Tony Hoong
Alvin Ubaldo
Founder, Valoram Solutions · Retirement Income Planning
Alvin Ubaldo is a proud American immigrant from the Philippines with more than 15 years in financial services. As a husband and father of three sons, he understands what it means to build something and then need it to hold.
“Don’t start with the product. Start with the outcome.”
Rather than assuming every retiree needs the same strategy, Alvin works through how different approaches behave on their own and in combination — across how much income the money can produce, how safe it is, how accessible it is, whether it can keep growing, and what is left behind. The goal of the hour is that you leave able to compare your options, not that you leave having chosen one.
Tony Hoong
Licensed CPA · The CPA Dude
Tony Hoong is part of The CPA Dude team, which handles tax and accounting for clients in all 50 states — filing, planning, and the strategy work that sits underneath both.
He grew up in his parents’ mom-and-pop restaurant, where he saw up close what running a small business actually costs a family. His favorite job there was counting and organizing the day’s cash. That is where the interest started, and it is still the same work: making the numbers legible so the decisions get easier.
On this session he covers the tax side of the alternatives — how each option is treated, and what that does to what you actually keep.
Common Questions
Frequently Asked Questions
Is anything sold on this masterclass?
Do I need $250,000 saved to attend?
Do you cover Roth conversions?
What does “alternative strategies” actually mean?
You mention double-digit returns. Is that guaranteed?
Are you going to tell me to move my money?
Is this suitable if I am already retired?
How long is it, and is it recorded?
What do I need to bring?
This Saturday
See What You Have Not Been Shown.
One hour on a Saturday morning. Free to attend, nothing sold, and you leave able to compare your options instead of taking the first one offered.
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September 26