Rick Dennis, CFF

Certified Financial Fiduciary in Houston, Texas

Hello, fellow Baby Boomer - thanks for stopping by…

To start learning about your “Safe Money” retirement options, watch the 2 videos linked below:

Guaranteed “paycheck for life” - the possibility of outliving your money is permanently eliminated:

Guaranteed 100% downside protection - no losses when stock market declines


You've probably heard that the #1 retirement-related concern of Baby Boomers is:

  • “Will we outlive our money?"

This concern is caused by two questions Baby Boomers can't answer:

  1. “How long will I (& my spouse) live?”
  2. “What if the stock market crashes during my retirement & my account loses money?”

Fortunately, there are contractually guaranteed retirement solutions for both questions:

  1. Baby Boomers can create their own “private pensions”- a guaranteed lifetime income that cannot be outlived
  2. Baby Boomers can also “insure & guarantee” their retirement accounts with a contractual guarantee of NO losses if the stock market declines…a 100% downside protection guarantee

There are three reasons I'm telling you about these guaranteed solutions:

  1. I'm sure you're aware that things are getting ugly in the stock market.
    Because your retirement accounts in the stock market don't offer ANY guarantees, your accounts will lose money if the stock market continues its decline.
  2. Since you're most likely retired, I'm assuming you want to ”keep the money you have," and you don't want to risk losing any money if/when the market crashes.
  3. The guaranteed options I mentioned above have no mandatory fees.

To learn more about these two options for your retirement accounts that:

a) DO provide the contractual guarantees listed above, and

b) DON'T have ANY mandatory fees,


Conservative Retirement Solutions, LLC has been in business since 2004. We cater exclusively to clients who want “safe, secure and guaranteed" retirements.

Our clients a) don’t want to risk the possibility of “outliving their money,” and b) they don't want to risk losing ANY of their retirement money by placing it in the stock market.

Our clients achieve these results of “guaranteed lifetime income” and "no stock market losses” by only using financial products that are “contractually guaranteed” to never lose money during market declines and are issued by “legal reserve” life insurance companies.

Questions? Ask your question in the box below - it'll come directly to me.

  • Work
    • Conservative Retirement, LLC
  • Education
    • B.S. Chemistry - Lamar University
Contact Me