Rapid Retire® is a program that is designed to put you in position to retire 7-10 years sooner than you probably think you could. It consist of three disciplines.



Concept Components & Outcomes

There are 2 techniques used in the Rapid Retire planning process. The Flooring technique and the bucket concept. They are used in way that accelerates a person’s normal speed to retirement.  Once you are able to meet your basic necessities of life for THE REST OF YOUR LIFE you enter into Phase 1 which allows you to retire and do something else for income that should be less demanding of your time and energy.

While working to achieve Phase 1 status, assets are investing according to the bucket concept using models and allocations that are designed to achieve a specific level of portfolio volatility.

If you are still employed and your largest investment is a 401(k) style retirement plan, your options will vary.  You could either reduce your contributions, roll it over using an in service distribution, or allow us to manage it according to the Rapid Retire planning process by reallocated and updating your holdings accordingly.

During this time, we are also exploring and implementing programs for the flooring technique.

That will include but not limited to:

  1. Ensuring you have the right type of life insurance or figuring out how to self-insure if you’re life insurance averse.
  2. Considering whether or not real estate investing is right for the plan.
  3. Understanding social security and pension options available to you in retirement.

Phase 2 is achieved when you no longer desire to work any job for income.  At this point all assets should be aligned according to the flooring technique and bucket concepts.



Retire from current career and work part time.
Will have the ability to cover all basic necessities of life.


Permanently retire from any career!

Please call

(808) 521-4401

for more information.


Cover basic necessities of Life
  • Food
  • Housing
  • Medical
  • Transportation
Income Flooring Assets
  • Life Insurance
  • Annuities
  • Pension
  • 401(k)/403(b)/TRAD IRA
  • Income Producing Real Estate
  • Social Security



    5+ Years


    10+ Years


    15+ Years

What is Bucket Planning?  It’s the process of determining how to position your investments in method that best aligns with your financial plan.  In Rapid Retire, we determine how much of your assets are needed in 5+, 10+, & 15+ years upon retirement.

Many seniors live on a fixed income because they are under the old adage of being older means being more conservative.

In fact, along with spending too much, investing too conservative is a major reason why only 3% of retirees have enough to last them their life-time.

Throw in life-changing events such as long term care and you could have complete disaster.

Bucket planning helps us mitigate the risk of living too long and exhausting your assets.


  • The American savings rate is less than 2%
  • Most retiree’s are force into retirement for reasons they can’t control
  • 1 out of 3 people have no retirement savings at all
  • Many people are unware of the appropriate level of risk to take & have no risk mitigation system in place
  • Families pay more for education than they should due to not having a solid college admissions & college funding game plan
  • Many families only have one year of tuition saved at best


The inability to track finances, in my 20+ years of experience, is a major reason why many start financial plans but can’t stick with them.

Finances, on a personal level, is not one of the subjects taught to young adults these days.

In reality, age is no excuse.  Simply balancing a checkbook is a lost art.  Sad to say, most people have no idea what the make on an hourly, daily, monthly, or yearly basis.

The Rapid Retire Planning process is a cash flow driven system. Without knowing the numbers down to the nearest cent makes setting the goal of retiring 7-10 years sooner than you normally would impossible.

Our process of transaction tracking is listed below.

  • Can be summed up in 2 words, Inflows – Outflows
  • Coupling the concept of budgeting and the use of financial tracking systems
  • Integrating financial tools such as life insurance, annuities, bank accounts, debt instruments, and investment accounts for maximum efficiency
  • Tracking financial transactions virtually/real time methods
  • Financial planning software – Virtual/Real Time
  • Online banking tools – Virtual/Real time


Must be created using the 4-A system
  • Adequate

    A good rule of thumb for a cash reserve fund is usually 90-180 days.  Unfortunately many people don’t have that saved.  Even worse, they consider credit cards, home equity, or a 401(k) as their primary reserve fund.

  • Accessible

    Accessible simple means your able to access the funds without penalty.  It also means your able to obtain possession of your funds with 24 hours from a bank account, 48-96 hours from an investment account, and 1 week from a life insurance policy.

  • After Tax

    Cash reserves should be positioned in an after-tax bases.  Otherwise it’s not truly accessible without penalty.  If it’s in a 401(k), it must be paid back within 5 years to avoid a 10% penalty and 10% tax under the 59 1/2 rules.

  • Always There

    Always there means the funds must not be invested in highly volatile market assets.  It also means not tied to credit as your credit cards have limits and home equity lines can sometimes be limited in the event of a financial crisis limiting your ability to cash.


There are many ways to create income.  How do you know which one fits best with your financial plan? Although there are many questions that need to be answered in order to create the best pathway to increasing your wealth.

The first place to start is with the Fiduciary approach to creating wealth.  Assets must be placed from low risk to high risk.

Many people I speak with do not have a solid financial foundation and there-in lies there problem.  Below is a chart of how assets should be placed according to the fiduciary approach.

Many are under-insured, under-saved, and over invested in places, according to their financial dreams and goals, have no place being.

  • High Risk

    Options, Oil & Gas, Collectibles, Commodities, Precious Metals


  • Growth

    Common Stock, Stock Mutual Funds, Personal Business, Variable Life/Annuity

    Long term & Retirement

  • Income

    Muni Bonds, Treasuries, Coporate Bonds, Mutual Funds, Income Annuities, Income Producing Real Estate

    Balance & Supplement

  • Reserves

    Checking Accounts, Savings Accounts, CD’s, Home Equity Lines of Credit, Dividend Paying Life Insurance

    Emergency & Opportunity

  • Risk Management

    Health Insurance, Property & Casualty, Disability, Long Term Care, Liability Insurance



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Questions? Call us at 808-521-4401, or click here for a free consultation.

In using our Rapid Retire program,
There can be no guarantees made that you will be in a position to retire 7 – 10 years sooner or any specific period.  Results of the program will vary by user.
Past performance is no guarantee of future results.
All investments, including real estate, is speculative in nature and involves substantial risk of loss. We encourage our investors to invest carefully. We also encourage investors to get personal advice from your professional investment adviser and to make independent investigations before acting on information that we publish. We do not in any way warrant or guarantee the success of any action you take in reliance on our statements or recommendations. All investments carry risk and all investment decisions of an individual remain the responsibility of that individual. There is no guarantee that systems, indicators, or signals will result in profits or that they will not result in losses. All investors are advised to fully understand all risks associated with any kind of investing they choose to do. For more information call BrightTree Financial @ 808-521-4401