Your Wealthy Life Starts Here

Create a life of financial clarity, confidence, and freedom—so you can
choose how you live, spend, and enjoy your time.

You’ve worked hard to build what you have. Now it’s time to turn that success
into a coordinated plan that supports the life you truly want.

See if you're ready to create a coordinated retirement plan.
Takes 2 minutes. Get immediate clarity.

You've Done Well, But You Still Feel Unclear

You’ve saved, invested, and made thoughtful decisions. But as retirement gets closer, the questions become more important:

- Am I really ready?
- Will my income last?
- Am I making the right decisions with taxes and timing?
- How do I turn what I’ve built into a plan I can rely on?
You’re not looking for more information.
You’re looking for clarity and confidence.

Annette Bau, Founder The Millionaire Insider®

A Clear, Coordinated Plan Changes Everything

I’m Annette Bau, CFP®
Founder, The Millionaire Insider®.
I help individuals and couples within 10 years of retirement bring everything together into a clear, coordinated strategy, so you can move forward with confidence.
You’ll know:

● Where your income will come from
● How much you can spend
● How to reduce taxes over time
● How all your decisions work together

This is planning with purpose—not reaction.

Trusted by Clients, Featured In, and Invited to Speak

Ways We Can Support You

ACCESS FREE RESOURCES

Resources to get started.
Get helpful tools to understand where you stand, what matters most, and what to focus on next .

Yes, Free Resources

7 MILLIONAIRE PRINCIPLES

Access over 30 years of research. Learn how millionaires think, make decisions, and achieve extraordinary success, so you can too.

Yes, I'm Ready!

TAKE THE RETIREMENT READINESS QUIZ

Resources to access your money stage. Let us help you understand where you are and what your next best step should be.

CLICK To Access

If You Want Freedom,
It Starts With a Plan

A truly wealthy life isn’t just about numbers.
It’s about:

Financial clarity
Confidence in your decisions
Freedom to choose how you live
Peace of mind about your future

Without a coordinated plan, uncertainty remains.
With the right strategy, everything becomes simpler.

Start With the Right Step for You
Take the Assessment
Find out if you’re ready to create a coordinated retirement plan.

Not quite ready? Start here:
Watch the Money, Confidence & Clarity Masterclass Understand how to bring your financial life together into a strategy you can trust.
Download the Financial Freedom Formula Guide
Align clarity and purpose with your wealth strategy for a more fulfilling, financially secure life.
Explore Free Resources
Get tools to understand where you are and what to focus on next.
Take 2 minutes. Get Immediate clarity.

Estate & Retirement Strategies, LLC (“ERS”) is a state-registered investment advisor located in Arizona and conducts business where properly licensed. Registration does not imply endorsement by securities regulators. ERS is not engaged in the practice of law or accounting.

ERS provides comprehensive financial planning, insurance, and investment management services. Investing involves risk and is not guaranteed. Before investing, you should consult a qualified financial advisor. ERS is affiliated with The Millionaire Insider®, an organization that provides general information, courses, and publications on topics related to personal financial planning and other lifestyle and mindset topics, including information from third-party sources. Information provided is for educational purposes only and is not an offer or solicitation for the sale or purchase of any security or investment advisory services.

Your Wealthy Life Starts Here

Create a life of financial clarity, confidence, and freedom—so you can choose how you live, spend, and enjoy your time.

You’ve worked hard to build what you have. Now it’s time to turn that success into a coordinated plan that supports the life you truly want.