The Financial Clarity Newsletter
Real Planner Insights. Zero Sales Pitch.
Join 12,000+ smart readers getting weekly retirement strategies, Roth conversion tactics, and tax optimization moves from a retired financial planner with 30 years of real-world experience.
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One actionable email every Tuesday morning. Free forever.
What Lands in Your Inbox Every Tuesday:
Not generic “save more, invest wisely” nonsense. These are the specific strategies I used with real clients managing $100M+ in assets.
This Week’s Move
One specific action you can take THIS WEEK – whether it’s a Roth conversion window, portfolio rebalance, or tax-loss harvest. With the calculator to execute it.
Retirement Playbook
The same strategies I used managing client retirements: income timing, Social Security optimization, Required Minimum Distribution planning, and pension maximization.
Calculator First Access
New financial calculators and tools drop in your inbox BEFORE they go live on the blog. IRMAA, Roth 5-year rule, asset allocation – always first.
Real Client Scenarios
Anonymized case studies showing exactly how real people optimized their Roth conversions, managed inheritance, and built tax-efficient retirement income.
Tax Law Alerts
When tax laws change or market conditions create time-sensitive opportunities (like 2024’s Roth conversion window), you’ll know immediately – not after it’s too late.
Subscriber-Only Resources
Exclusive spreadsheets, checklists, and templates I built during 30 years of financial planning. The stuff advisors charge $3,000 to create for you.
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What Readers Are Saying:
“Michael’s Roth conversion breakdown saved me $11,000 in taxes this year. His calculator made it crystal clear when to convert and how much.”
— David K., Retired CPA
“Finally, financial advice that’s actually actionable. No vague ‘diversify your portfolio’ nonsense. Specific steps I can implement TODAY.”
— Jennifer M., Engineer
“As a DIY investor, Michael’s newsletter is like having a CFP® on speed dial. The case studies alone are worth 10x what most advisors charge.”
— Robert T., Business Owner
Why Listen to Me?
I’m Michael Ryan, a retired financial planner with nearly 30 years managing real money for real people. Not a blogger who took a weekend course. Not a “finance bro” selling courses. A licensed professional who spent decades helping clients navigate retirement, taxes, and wealth-building.
I’ve managed over $100M in client assets, guided hundreds through retirement transitions, and optimized thousands of Roth conversions. Now retired from practice, I share these strategies on MichaelRyanMoney.com – without the sales pitch or commission pressure.
My work has been featured in Wall Street Journal, Forbes, NY Times, Business Insider, and more. But what matters most? Real readers using these strategies to save thousands in taxes and build confident retirements.
Ready? Start Here.
📧 First email: Tuesday, 9 AM EST. No spam. Easy unsubscribe.
Common Questions:
How often will you email me?
One main newsletter every Tuesday at 9 AM EST (perfect timing after Monday’s inbox chaos settles). Occasional bonus emails for urgent tax opportunities or new calculator launches. That’s it.
What if I’m not near retirement yet?
Perfect! The newsletter covers budgeting, tax optimization, Roth strategies, and wealth-building for ALL stages. Subscribers range from 30s to 70s. If you have money, this will help you manage it smarter.
Can I unsubscribe easily?
Absolutely. One-click unsubscribe at the bottom of every email. No guilt trips, no “are you sure?” pop-ups. If it’s not valuable, you should leave.
Will you sell my email or spam me?
Never. I hate spam as much as you do. Your email stays with me. Period. I don’t sell lists, I don’t share data, and I don’t bombard you with affiliate pitches.
Is this a sales funnel for coaching?
No. I’m retired from individual client work. The newsletter exists to share decades of planning knowledge – that’s it. Pure education, zero sales pitch.
Stop Guessing. Start Building.
Your future self will thank you for taking financial clarity seriously today.
Join 12,000+ Readers →📧 First email hits your inbox Tuesday, 9 AM EST