Your Confident, Financially Secure Life Starts Here

Access 40+ years of proven insights on clarity and purpose, along with practical strategies for how you earn, spend, invest, and protect your wealth.

Let us help you create a financially secure life and retirement you love:

Annette Bau, Founder The Millionaire Insider®

You want freedom to choose.
And that requires money and clarity.

I get it, my clients and I have been there too.
I’ve advised women and couples who worked hard, saved responsibly, and still found themselves asking the same question:

How much money is enough?

Today, having spent over 36 years advising millionaires and building that level of financial security myself, I’m in a unique position to help you align your values, purpose, and peace of mind with a clear, practical wealth strategy that supports the life and retirement you love.

If you’re like many in our community, you want to enjoy life now and feel confident about your future. That concern is real. Too many people reach retirement with uncertainty and anxiety relying on guesswork instead of clarity. What should be their golden years become years of unnecessary stress.

The good news is this:

With the right plan, aligned priorities, and consistent action, you can create a financially secure life with freedom, confidence, and choice.
I’m here to help you make that a reality.

Publications, coaching clients, and their firms.

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 .

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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.

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If You Want Freedom.
You Need a Plan.

Maybe you’ve focused on the numbers but still don’t feel confident for fulfilled. Or you think everything is set up correctly, but you aren't sure.
The truth: you need an integrated plan that brings your life, tax, and retirement goals together.
We're here to help you.
The Financial Freedom Formula Guide shows you how to align clarity and purpose with your wealth strategy for a fulfilling, financially secure life and retirement.

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.