Rating
4.1

Introduction

Whether you are in retirement or planning for it, Robert Brokamp, CFP helps thousands of people like you navigate major financial decisions and learn how you can retire sooner and retire smarter.


For most people, the thought of retirement isn’t their favorite topic. Why so? Many people are worried about how to eke a living without a regular paycheck from the employer. Such worries propel retirement to be among the notable causes of financial stress in Americans.

When it comes to planning for retirement, most Americans fall short. According to the Federal Reserve, 25 percent of Americans have no retirement savings. And 67 percent of non-retired Americans are worried that they will fall short of meeting their retirement saving goals.

These numbers are numbing, but they shouldn’t bog you down. Whether you have started your retirement plan or not, there are guides to help you get back on track. And one such reliable guide is Motley Fool Rule Your Retirement (RYR).

Motley Fool has several products that offer extensive investment advice on stock picking. However, in RYR, they have a product that helps you retire gracefully. With the leadership of Robert Brokamp and his team, they offer time-tested techniques to ease your retirement worries.

Would you like consistent and considerable retirement income in your golden years? Would you want to know more about RYR? Please stay on. This article will have a more in-depth look at RYR and how it can improve your financial well-being in retirement.

What is Motley Fool Rule Your Retirement?

Rule Your Retirement is a newsletter whose main objective is to advise on retirement planning. Members get advice on assets allocation, retirement investment accounts, retirement goal-setting, and other numerous topics that ensure that you retire smarter. 

Who is Robert Brokamp? Robert, a Certified Financial Planner (CFP), is a top financial analyst in charge of steering RYR. Robert has been a Fool since 1999. Prior to joining Motley Fool, he was a financial advisor and a teacher. 

Robert has also edited and authored hundreds of finance articles for the Motley Fool.

What’s the cost?

The current cost for the e-newsletter is $149 per annum. However, from time to time, Motley Fool runs promotional offers to encourage subscriptions. Be on the lookout to take advantage.

Motley Fool also offers a 30-day money-back guarantee. So, if within 30 days you don’t enjoy the newsletter for one reason or another, you can cancel the subscription and get your money back.

What will you get?

Once you subscribe to Motley Fool’s Rule Your Retirment, you receive a newsletter on the first Thursday of every month. You also get a weekly comprehensive investment overview from lead analyst, Robert Brokamp. That’s it? 

No. Beyond numerous retirement, tax, and investment content, you gain access to previous newsletters, special reports, and Webinars. You can also interact with fellow members within the RYR plan. And finally, you gain access to financial calculators to help you plan your finances better.

Rule Your Retirement Key Benefits

Motley Fool’s Rule Your Retirement is a one-stop platform designed to keep you in touch with personal finance topics and the implications of your investments’ various decisions. Below is a rundown of critical topics that the newsletter will help you digest.

1. Model portfolios

One feature that you will enjoy with Rule Your Retirement’s subscription is its model portfolio. Brokamp and his team have structured portfolios that guide on the optimal allocation of your assets. The portfolios are a mix of indexed mutual funds and EFTs. You get both allocation models with three time-sensitive options. 

With RYR’s model portfolio, you get wide-ranging advice on organizing your eggs in the basket!

2. Social Security benefits

Social Security is a complex issue beyond checking your online statements. The timing and how you claim the retirement benefits have a bearing on the amount you get. The good thing is that Rule Your Retirement shares enlightening resources to help you navigate this complex issue. 

Brokamp and his team have formulated practical tools, like comprehensive calculators, to enable you to compute your retirement benefits to the last cent. 

Once subscribed, you also get to read about the little-known secrets from RYR to maximize your Social Security benefits.

3. Retirement budgeting

Even when you retire, you will continue spending. In that case, a personal budget is vital to keep your spending habits in check. Rule Your Retirement shares curated budgeting tips on how to live on a fixed income after retirement.

Do you feel over-burdened by debts? Would you want a way out? Worry not. RYR will help you in debt management. Debts, if not managed well, can crumble even the wealthiest individuals. Fortunately, RYR can help you make informed debt choices to gain control of your finances.

4. Retirement accounts

You have managed to save quite a chunk of money for retirement. Congratulations. The next huddle is how to multiply your savings. The obvious choice is to open a retirement account.

However, the trick is that there are many retirement accounts available. It can be overwhelming when deciding the one to settle on. In such a case, Motley Fool’s Rule Your Retirement comes in handy in helping you choose a suitable retirement account. It also gives you tips on using the investment accounts optimally.

RYR helps you navigate retirement accounts, such as IRA, 401(K), and Roth IRA. You get advice on allocating your pre and post-tax earnings to reap maximum benefits for your retirement fund.

5. Estate planning

We all don’t like talking about death. But the sad reality is that death is inevitable. You can leave your loved ones in financial turmoil in case you pass on without proper estate planning. To that end, the earlier we plan for life after death, the better. Rule Your Retirement membership enables you to start estate planning at an early stage in life. 

6. Investment strategies for retirement

Rule Your Retirement guides you in choosing long-term investment options suitable for the growth of your retirement fund. And the options are multi-faceted. RYR is not limited to investing in stocks only. 

In addition to the above, you also get insightful content on the topics below:

  • Health and wellness
  • Property and mortgages
  • Insurance options
  • Financing college
  • And much, much more

Is Rule Your Retirement suitable for you?

Motley Fool Rule Your Retirement is a versatile newsletter that can fit the profile of many investors. Let’s look at how the different categories of people can benefit from RYR.

  • Retirees

Many pensioners think that it’s already late and that no retirement plans are available for them. This mindset couldn’t be further from the truth. Retirement planning can start at any age. And in Motley Fool, you will be in the company of fellow retirees as they make the most significant number of RYR membership.

So, what’s in it for you in RYR? As a retiree, you still have a long life ahead of you. RYR helps you to make short-term and long-term investment decisions that ensure you pay your bills, taxes, and meet other obligations without hitches.

  • A young professional

In retirement planning, the decisions you make now affect your retirement funds in the future. Many young people think that retirement planning isn’t for them since retirement is donkey years away. This notion is misguided.

With RYR, you get advice on planning your finances at an early stage in your life. RYR offers retirement investment insights to ensure your nest egg is full by the time you are retiring.

Start your retirement planning today. Don’t shelve it for later. Things won’t sort themselves in the latter years.

  • A family person

You have enjoyed your youth. “Yolo” has been your way of life. But now that you have a family, you realize you need to plan for retirement. You could be worried, but it’s not that late for you. There is a lot on offer for you.

If you are this kind of person, the RYR newsletter offers accelerated investment plans to ensure you recover lost years.

Investment and wealth management is a never-ending process. Whether young or old, there is planning to do. Even though wading through retirement planning waters can be challenging, with retirement investment tools like RYR, you don’t have to do all the hard work.

Are there any alternatives?

A while back, searching for information was a nail-biting experience. Today, we are lucky to be living in the era of internet upsurge. Getting information is instantaneous. To that end, it’s difficult for one online platform to enjoy a monopoly.

So, getting back to the question of the day, what are the options to consider beyond Rule Your Retirement? Let’s have a look at some of them:

  • Motley Fool Stock Advisor and Rule Breakers Consider these newsletters if you have a penchant for buying stocks. With both, you get far-reaching content on how to identify winning stocks in the market.
  • Kiplinger’s Personal Finance This platform offers wealth-building tactics on a wide range of topics. This publication got you covered by talking about retirement, personal savings, real estate, homeownership, and vehicle purchasing.
  • Jim Cramer Action AlertsThis service is suitable for you if you are an investor in stocks. Jim Cramer provides weekly round-ups of stocks he has purchased. This way, subscribers have a chance to get inside the head of one of the leading finance experts. 

The bottom line, there are numerous newsletters out there claiming to offer investment advice. Be wary. Most of them are worthless. However, a handful of golden ones exist and can improve your financial health immensely. Conducting due diligence is pivotal in selecting a winning newsletter. 

Pros

  • Accommodative- RYR is ideal for all types of investors.
  • Extensive and refreshing content- the newsletter isn’t about recommending stocks to buy only. It provides broad investment options.
  • Simplifies complex investment plans by using more straightforward financial planning tools
  • It’s affordable
  • Message boards facilitate interaction and sharing of ideas across
  • The 30-day money-back guarantee gives peace of mind
  • Has a rich history backed with consistent performance

Cons

  • Not suitable for aggressive and short-term investors
  • Not all investment recommendations go according to the plan

Final Words

Planning for retirement can be thought-provoking, especially if you don’t have an extensive finance background. However, with tools like Motley Fool Rule Your Retirement, answers to complex retirement questions are served on a silver platter.

Even with retirement, life doesn’t stop. It would help if you had a consistent flow of income. You need to pay bills, travel, go on holiday, take care of your family, and the list can go on and on. However, to make these dreams a reality, start your retirement planning today. Yes, today.