THE FOUR HORSEMEN OF RETIREMENT

Ways To Confidently Retire By Planning For Longevity, Inflation, Taxes, And Healthcare

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CHAPTER SPOTLIGHT

Why Worry About the Four Horsemen

You’ve saved for decades, but are you prepared for the four major hurdles that could challenge your financial security in retirement? Download your free chapter of “The Four Horsemen of Retirement” to learn about the biggest obstacles retirees face, including:

  • Four of the largest challenges many may face in retirement: longevity, inflation, taxes, and healthcare.

  • How modern life expectancy has reshaped the very concept of retirement.

  • How longevity can create a ripple effect on the other three horsemen — and your plan.

  • Why the goal isn’t to defeat these challenges, but to overcome the dilemmas they present.

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About The Book

Retirement is not just about financial freedom. It’s about preparing for the four greatest challenges that threaten financial security in your golden years: longevity, inflation, taxes, and healthcare. CERTIFIED FINANCIAL PLANNER® professional Spencer Ford guides readers through these financial obstacles, equipping them with the knowledge and strategies needed for a more confident, fulfilling retirement. From Social Security optimization and tax-efficient financial planning to managing healthcare expenses and developing a legacy strategy, Spencer offers practical solutions to the most common retirement concerns. Whether you’re nearing retirement or planning decades in advance, “The Four Horsemen of Retirement” provides a clear, actionable roadmap to overcoming uncertainty and building a lasting financial foundation.

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Spencer Ford

About the Author

Spencer Ford, CFP®

Chief Executive Officer & Wealth Advisor at Conservative Financial Solutions, LLC

Spencer is passionate about helping individuals and families build more stable retirements. He earned a bachelor of arts in biblical studies and a master of arts in counseling from Cincinnati Christian University and an executive certificate in financial planning from The Ohio State University. A CERTIFIED FINANCIAL PLANNER® professional, Spencer also holds Series 7, 63, and 65 securities licenses and is a licensed insurance agent in multiple states. In his spare time, Spencer serves his community as a member of the local chamber of commerce. He enjoys volunteering at his church, flying, but most of all spending time with his family.

CFP Board owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® in the U.S.