(Enroll for just $197, or Included With Your All Access Pass)
Premium finance gets pitched as arbitrage: borrow at a low rate, let a policy grow faster than the loan accrues, keep the spread. That’s true often enough to survive as a pitch — and incomplete often enough to hurt people who only heard the first half. McDonough opens with the mechanism, not the marketing.
Premium finance runs on the same leverage principle you already use in your business or your real estate — other people’s money, keeping your own portfolio intact. McDonough explains where that principle came from, and why it was built specifically for people north of $10 million in net worth.
Four claims show up in almost every pitch. McDonough takes each one apart directly — including the one he says comes from “lazy financial advisors.”
McDonough calls this “one of the most important modules” in the course, because it’s built to help you find out — before you commit to anything — whether this fits your specific financial life.
Once you know whether this might fit, McDonough walks through exactly how it works — every party involved, and what each one is actually on the hook for.
The loan’s interest rate is the number everyone fixates on. McDonough spends this module explaining why that’s “a very myopic view” of the actual economics.
Taking Action & Building Your Support Team
Every failed structure McDonough has seen traces back to one of four points. This module names them, then shows exactly what failure looks like in slow motion — because, in his words, “it’s not overnight. It’s a slow burn.”
Taking Action & Building Your Support Team
Premium finance is rarely all-or-nothing. The final module places it inside the rest of your plan — where it blends with other tools, and where your specific situation changes the calculation entirely.
You may not remember the exact day — only the moment you realized, “this feels different now.”
Nothing is wrong.
But suddenly, “I’ll figure it out later” doesn’t feel like a plan anymore.
It might be an unexpected drop in the market that suddenly has you watching the news more closely.
A birthday approaching — and the question you can no longer ignore: Should I take Social Security now, or wait?
Or a comment from your spouse that lingers:
“Don’t worry. If something happens to me, it’s all taken care of.”
And suddenly, a new question replaces the old:
Am I really prepared for what’s ahead?
It’s that, for the first time, you realize you have less time to “figure it out later” than you did when you were raising your family and building a career.
Until now, there was always more time.
More time to save.
More time to plan.
More time to talk about it later.
In retirement, time works differently.
Paychecks are replaced by Social Security and investments.
Market declines affect not just statement balances, but spendable income.
And each decision begins to carry more weight than the last.
That shift — from accumulation to reliance — is often what you’re feeling.
Instead, it’s shaped by a number of smaller transitions and decisions that tend to arrive quietly — often during distraction, transition, or change in circumstances.
You don’t need to know when these moments will show up — only how your plan will handle it when they do.
A market decline in retirement feels different in retirement than it did when you were still working.
It’s no longer about recovery on paper.
It’s about income — and how long your money will last.
When income needs and market corrections overlap, income stability matters more than your annual return.
Before retirement, Social Security is often treated like a simple decision to “take it early, or wait till full retirement age“.
In reality, it’s one of the most consequential income decisions you’ll ever make.
A choice that will shape income for decades — and once the decision is made, it’s often difficult to reverse.
A divorce later in life doesn’t just divide spouses.
It divides assets.
It reshapes income, housing, and long-term security — often all at once.
Even plans that once felt solid can feel suddenly fragile and uncertain.
Inflation rarely threatens retirement security today.
Instead, it slowly eats away at your income and savings — year after year — steadily compounding your need to draw down your savings faster than you had planned.
Retirement plans designed primarily for investment safety can often be impacted significantly by years of rising inflation, even when nothing appears “wrong.”
All women dread the day when they become the sole financial decision-maker. But statistically, 80% of women will become widowed at some point during retirement.
And when that happens, confidence and assurance matters more than numbers and spreadsheets.
The goal isn’t to solve for every one of these risks today.
The goal is to gain confidence and understanding.
Because with understanding comes clarity — and when things are clear, fear and uncertainty begin to fade.
This course exists to help you understand how retirement actually works, and the decisions and life events you’ll need to navigate — before those events become present day reality.
It’s designed to give you context first.
Clarity before action.
And confidence rooted in understanding.
Women in Retirement is a self-paced, on-demand course created specifically to help women navigate this transition thoughtfully — often while still juggling the day to day of work, family, and the other responsibilities you carry.
It’s designed for you to move through it at your own pace.
Pause when you need to.
And then pick it back up when life allows.
Because you don’t need more pressure.
You need support and clarity.
As women, we need education and clarity in order to gain understanding and confidence.
So the course doesn’t begin with numbers, charts, or spreadsheets.
It begins by providing context — helping you understand how retirement actually works, and why certain decisions carry more weight than others.
Each lesson is intentionally short and focused.
You’re not expected to “keep up.”
You’re not asked to make decisions as you go.
Instead, you’re guided through these topics the way they unfolds in real life — income first, then risk management, followed by longevity, healthcare, and life transitions.
It’s about giving you the confidence to trust yourself when the time to make these decisions arrives.
Inside Women in Retirement, you’ll explore the areas of planning that most often create the most uncertainty — income, risk, longevity, healthcare, and life transitions — explained clearly and without financial jargon.
You’ll learn how retirement income actually works, and how decisions like Social Security timing shape your future income needs.
You’ll also learn how markets and inflation affect your long-term planning, and why planning now for unexpected changes later leads to greater peace of mind.
You’ll also spend time clarifying what matters most to you — so decisions feel grounded and in alignment with your values, rather than simply a decision you made because someone told you what they thought was best.
The goal isn’t to cover everything.
It’s to help you understand deeply what matters most.
To help reinforce what you’ll learn in each lesson, Women in Retirement also includes a companion course workbook which mirrors the course lesson by lesson, giving you space to slow down, reflect, and connect what you’re learning to your own life and planning.
In it, you’ll also find guided questions, simple exercises, and visual examples that help you; clarify your income needs, identify real risks, and prepare for conversations — without turning learning into another overwhelming task.
Some women use the workbook to follow along as they watch.
Others return to it later, when questions surface.
There’s no right way to use it — only what feels supportive to you.
And You Don’t Have to Do It Alone!
As you move through the course, you’ll also have access to support thorough our on-demand chat, available to you 24/7.
That way, when a question comes up — either while you’re watching a lesson, reading through the workbook, or thinking something through later — you don’t have to spend hours Googling possible answers.
You just ask.
Get added clarity.
And needed reassurance — in real time.
This work isn’t meant to be rushed — or done alone.
Women in Retirement is offered for a simple one-time enrollment fee.
Your enrollment includes lifetime access to the complete course, so you can move through it at your own pace. Your enrollment also includes the course companion workbook, and access to our on-demand chat support, available inside the course 24/7 anytime you need it.
You’ll have lifetime access, so you can take your time, return to the course whenever questions — or life — changes.
This is an investment in understanding and long term peace of mind.
You don’t need to know today whether or not this program is right for you.
We want you to feel supported — not pressured.
That’s why you’re invited to enroll today and take your time exploring the course and companion workbook.
Watch the lessons.
Skim the materials.
Notice whether it feels clear, supportive, and relevant to you.
If, within 30 days, you decide this course isn’t what you expected, you can simply request a full refund.
No explanations required.
No questions asked.
This guarantee exists so you can begin with confidence — knowing you’re free to explore the course, without pressure or risk.
At some point, retirement stops being about numbers and spreadsheets — and starts being about how confident you feel navigating what’s ahead.
Taking the time to gain clarity now is a gift you give yourself — one that will last throughout retirement.
Women in Retirement exists to give you that clarity — so you can face what’s ahead with confidence.
Begin with clarity — and move forward at your own pace.
Reach out to us at support@theretirementinstitute.com
Yes — this course was created specifically for high income earners, high-net-worth individuals, business owners, and wealth builders who are evaluating premium finance or considering leveraged life insurance. If you want greater clarity on how these structures actually work, where the hidden risks lie, and how to evaluate them without the sales pressure — this was built for you.
Absolutely. This course doesn’t replace your advisor — it puts you in the driver’s seat. You’ll better understand the mechanics of the structure, know exactly which questions to ask about collateral and interest rate exposure, and feel confident stress-testing their proposal rather than just trusting the illustration. Many students tell us this course saved them from signing an overly aggressive, or poorly structured agreement.
Not at all. This course was designed for those just beginning to evaluate premium finance, as well as those who already have a funded policy and want to ensure it remains durable. We strip away the industry jargon and break down complex concepts like arbitrage, collateral calls, and exit strategies using clear everyday language. The lessons are short, self-paced, and focused on building your understanding one piece at a time.
Actually, the risk usually stems from poor design, not the strategy itself. Anxiety in premium finance comes from the unknown — wondering what happens if interest rates spike, policy returns underperform, or the bank issues a collateral call. This course addresses those exact stress points. When you finally understand how to properly stress-test the assumptions before you sign, the anxiety fades and is replaced with a greater sense of control.
This course isn’t designed to be something you skim or binge. It’s meant to help you understand the decisions that often carry long-term consequences. Many women spend far more on a single meeting, a seminar, or fixing a mistake they didn’t see coming.
We’ve priced it so it’s taken seriously — without requiring a big leap of faith. That’s also why we offer you an unconditional guarantee, so you can get started risk-free.
