A Signature Premier 72 Methodology
The Retirement Bank Method™
A New Way to Retire.
Most retirement planning starts with a product. The Retirement Bank Method™ starts with the income you will need, the order it should be drawn in, and the capital you must be able to reach without selling something at the wrong time.
The Core Idea
"Your business is not your retirement until it functions like a Retirement Bank."
Most owners have wealth on paper and very little of it in a form that pays them reliably. A Retirement Bank is the opposite: a structure that produces income, holds accessible capital, keeps decisions in the owner's hands, and can be handed to someone else. The method is how Premier 72 works toward that structure.
What It Builds Toward
Five Things a Retirement Bank Provides
Before the active working years end, and for all the years that follow them.
Income
Money arriving every month whether or not the owner is still working, and whether or not the market cooperates.
Liquidity
Capital that can be reached without dismantling the business or selling an asset at the wrong moment.
Control
Decisions about timing, taxes, and distribution stay with the owner rather than being dictated by circumstance.
Transferability
Value that can move, to a successor, a buyer, or a family, because it does not live entirely in one person.
Options
More than one acceptable exit. An owner with options is never forced into someone else's terms.
Where It Comes From
A Premier 72 Methodology, Not a Product
- The advisory organizationPremier 72
- Transition and retirementExit Strong
- The signature methodologyThe Retirement Bank Method™
The Retirement Bank Method™ is Premier 72's own framework, developed out of the firm's work with business owners and pre-retirees. It sits inside Exit Strong and can be applied to assets a client already holds. It is a methodology the firm applies, it is not a single product, and it is not available off a shelf.
The Principles
Four Ideas the Method Rests On
The method is a discipline, not a product. It can be applied to assets you already hold.
Sequence Before Product
The order in which income is drawn matters as much as what it is drawn from. The method starts with sequence, then selects instruments.
A Protected Floor First
Essential expenses are matched to sources that do not depend on market conditions, so the rest of the plan can take measured risk.
Access Without Liquidation
Structured cash value and policy mechanics create access to capital without being forced to sell an asset at the wrong moment.
Tax Position by Design
Accumulation, distribution, and transfer are coordinated across taxable, tax-deferred, and tax-advantaged buckets rather than left to chance.
The Process
Five Steps, In Order
Map the Income Requirement
What the household actually needs each month, separated into essential and discretionary.
Identify the Sources
Qualified plans, brokerage assets, business value, Social Security, insurance cash value, and annuity income.
Build the Floor
Match essential expenses to protected, predictable sources for life.
Structure the Reserve
Position accessible capital so a market decline never forces a sale.
Coordinate the Transfer
Align what remains with the estate and legacy outcome the family wants.
What You Leave With
- A written income requirement, separated into essential and discretionary
- A clear view of which sources cover the floor, and for how long
- A modeled look at accessible capital across a 10 to 20 year horizon
- A plain-language summary of trade-offs, fees, and surrender terms where applicable
The Retirement Bank Method™ is an educational planning framework. It is not a guarantee of investment results, and any specific product recommendation depends on your own situation, health, and suitability review.
See What the Method Looks Like For You
A 30-minute Strategic Review applying the method to your own numbers, calm, educational, and written down.
Prefer to read first? The annuities and retirement income page covers the instruments in plain language.