The Four Horsemen Of Retirement
Spencer L. Ford
Your Roadmap To A
Confident Retirement
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 health care. Certified Financial Planner™ Spencer Ford guides readers through these financial obstacles, equipping them with the knowledge and strategies needed for a secure, fulfilling retirement.
Drawing inspiration from the symbolic metaphor of the Four Horsemen, Ford reveals how these economic forces work together, impacting retirees in unforeseen ways. He offers practical solutions, from Social Security optimization and tax-efficient financial planning to managing health care expenses and developing a legacy strategy. Whether you’re nearing retirement or planning decades in advance, this book provides a clear, actionable roadmap to overcoming uncertainty and building a lasting financial foundation.
Spencer L. Ford, CFP®
Spencer Ford, CFP®, Chief Executive Officer at Conservative Financial Solutions, LLC, is passionate about helping clients build more stable retirements. He holds a bachelor of arts in biblical studies and a master of arts in counseling from Cincinnati Christian University. Spencer holds an executive certificate in financial planning from The Ohio State University, has completed extensive training, and has met rigorous ethical experience requirements in order to obtain his CERTIFIED FINANCIAL PLANNER™ (CFP®) professional designation. Spencer also holds a series 7, 63, and 65 securities licenses alongside being a licensed insurance agent in multiple states.