Spend Five Nights This Week to Avoid Four Mistakes That Could Cost You Millions
The Four Retirement Traps
What You're About To Discover
Why average returns are a dangerous illusion — and how two retirees with the same “average” can end up with completely different outcomes depending on when losses hit.
How the "growth-at-all-cost" mindset backfires in retirement — turning what built your wealth into the very thing that destroys your income.
The hidden cost of living longer — how inflation, taxes, and healthcare quietly widen your “income gap” unless you plan for 30+ years of withdrawals.
Why traditional withdrawal strategies fail — and how an “Income First” approach gives you steady, predictable cash flow no matter what the markets do.
The four most common traps that drain retirements — and how to test your own plan with a Retirement Trap Audit to see exactly where you’re vulnerable.
Most retirement plans look safe,
until you actually retire.
One market drop, one bad first five years, or simply living longer than expected can quietly wipe out decades of savings. The truth is, what built your wealth in your working years isn’t the same strategy that will protect your income in retirement.
That’s why we created The Four Retirement Traps — a simple, five-night program that shows you exactly how to protect your income for life. You’ll learn how to avoid the hidden mistakes that cause retirees to run out of money, and discover how to build a plan that lasts in any market.
Here’s what you’ll uncover inside:
The Myth of Average Returns — why the order of your gains and losses matters more than your average return, and how to protect yourself from sequence-of-returns risk.
The Growth Trap — how staying too aggressive in retirement can backfire, and what it takes to shift to an income-first strategy without sacrificing growth.
The Longevity Blindspot — the overlooked risk of outliving your money, and the steps to make your savings last 20, 30, or even 40 years.
The Income First Gap — why traditional withdrawal strategies fail, and the framework to turn your savings into a steady, predictable paycheck you can count on.
In just five short sessions, you’ll uncover the hidden risks, fix the gaps, and walk away with a clear, step-by-step plan that gives you peace of mind.
No guesswork.
No relying on luck.
Just a proven system to make sure you never outlive your money, never get blindsided by the market, and never have to wonder if your plan will hold up when it matters most.
A Step-by-Step System
to Secure Your Retirement
Each night builds on the last, guiding you through the four traps that quietly drain retirement savings.
In less than a week, you will understand the risks most retirees never see coming and learn exactly how to avoid them. The lessons are designed to fit easily into your daily routine. Each one can be completed in less time than it takes to watch an episode on Netflix.
By setting aside just 20 minutes a night, you will walk away with a plan that secures your income for the rest of your life.
Night 1:The Myth Of Average Returns
On the first night, you will see why average returns can be one of the most dangerous illusions in retirement planning. You will learn how the sequence of your gains and losses matters far more than the average number you see on a chart, and how two retirees with the same average return can end up with completely different outcomes. Once you see this, you will never look at your retirement projections the same way again.
Why average returns don’t equal actual results in retirement
Sequence of returns risk explained simply
Real-world case study: Two retirees, same average, wildly different outcomes
Quiz: What is sequence risk, and why does it matter?
Night 2: The Growth Trap
The second night reveals why retirement investing is not the same as investing while you’re working. The “growth-at-all-costs” mindset that works in accumulation years can quietly destroy your income once you start drawing from your portfolio.
You’ll see how one bad market downturn early in retirement can cause irreversible damage — and what it takes to shift from a pure growth strategy to an income-aligned plan.
Why retirement investing is not the same as accumulation investing
The “Growth-at-All-Costs” mindset that tanks portfolios in drawdown years
How market downturns in early retirement cause irreversible damage
Quiz: Is Your Portfolio Aligned With Your Retirement Stage?
Night 3: The Longevity Blindspot
By the third night, you’ll uncover a risk most people avoid thinking about: outliving their money. Living longer is a blessing, but it comes with a financial cost. You’ll calculate your personal “income gap”, the space between what your guaranteed income provides and what you truly need. That way you can discover strategies to make your savings last 30 years or more. This is where peace of mind begins.
Why living longer is a blessing and a financial risk
How to calculate your “income gap”
Strategies to ensure income lasts for 30+ years
Quiz: Understanding longevity risk and planning around it
Night 4: Income First Retirement
On the fourth night, everything comes together. You’ll learn why traditional retirement plans often collapse once withdrawals begin, and how an Income First approach creates stability in any market.
Instead of guessing how long your savings will last, you’ll have a simple framework for turning your nest egg into a stream of reliable income designed to weather both good years and bad.
Why traditional retirement plans break down once you start withdrawing
How Income First strategies create stability in any market
A simple framework for turning your savings into income that lasts a lifetime
How does “Income First” planning reduce risk — and how could it protect your future?
Night 5: Your Retirement Trap Audit
On the final night, you’ll put everything together. This is where you test your own plan against the four traps to see where you’re most vulnerable. By the end, you’ll have a clear picture of which risks threaten your retirement — and a step-by-step checklist to start protecting yourself right away.
A self-assessment across the four traps
Action checklist: 5 questions to bring to your next financial meeting
Quiz: What are your top vulnerabilities, and what can you do next?
I’m Aaron Cirksena,
CEO and Owner of MDRN Capital
I did not start my career planning to fix retirement mistakes. I began at one of the largest financial firms in the world, working with billion-dollar teams. On paper, it looked like I had made it.
Then my own family got bad retirement advice. They were told everything would be fine, but the plan left out some of the most important protections. When the market turned, their dreams had to be put on hold. Instead of traveling and enjoying life, they kept working.
I saw first-hand how missing just a few key steps could change someone’s whole future. I knew I could not keep working in a system that treated clients like account numbers. So I left and built MDRN Capital to do things differently.
Now I lead a team of over 30 people who help thousands of clients each year protect their savings, avoid costly mistakes, and retire with confidence. The system in Million Dollar Retirement Mistakes is the same one we use for them, and it is designed to give you back control over your money and your future.
Featured In
What
"The Four Retirement Traps"
Is Not
In just 5 nights, you’ll learn how to bulletproof your retirement plan against the 4 traps that quietly drain savings — so you can enjoy steady income for life, no matter what the market, taxes, or inflation do.
This is not a get-rich-quick promise.
It’s not about doubling your money overnight, it’s about protecting what you already worked decades to save, and making sure it lasts.
It won’t erase every risk.
No one can guarantee zero market risk. What you’ll learn instead is how to eliminate the most dangerous traps that cause people to run out of money.
It’s not just theory.
Each night includes case studies, checklists, and a personal Retirement Trap Audit — so you know exactly how to apply it to your situation.
You don’t have to spend months learning.
Lessons take about 20 minutes, and you can go at your own pace. The goal is to get clarity fast and use it right away.
You’re protected.
If you don’t discover at least three ways to make your retirement safer, you get a full refund within 30 days. No risk, no games.
Don't Take My Word For it...
Some of the most respected retirement researchers and financial institutions have been warning about these exact traps for years:
Trap #1: The Myth of Average Returns
Morningstar calls the first decade of retirement the “fragile decade” — warning that poor returns early on can cause permanent income loss, even if your average return looks fine later.
Trap #2: The Growth Trap
Wade Pfau, Ph.D., CFA, one of the leading retirement researchers, has shown that sequence-of-returns risk — the danger of taking losses while drawing income — is the single biggest threat for retirees who stay too growth-heavy.
Trap #3: The Longevity Blindspot
Fidelity Investments recommends keeping several years of expenses in safer, low-volatility assets to protect against both early losses and the fact that retirees are living longer than ever. Without this, inflation and unexpected healthcare costs can quietly widen your “income gap.”
Trap #4: The Income First Gap
The Wall Street Journal has repeatedly outlined how inflation and taxes compound the damage if you don’t have a reliable income plan. Depending on growth withdrawals alone often forces retirees to sell investments at the worst possible time.
The gap between avoiding these traps and falling into them can easily be worth hundreds of thousands of dollars over your lifetime.
The good news? The strategies inside The Four Retirement Traps are built on the same evidence-based principles these experts and institutions use to guide their own clients
Here’s Everything Included:
Night 1:The Myth Of Average Returns
Why average returns don’t equal actual results in retirement
Night 2: The Growth Trap
Why retirement investing is not the same as accumulation investing
Night 3: The Longevity Blindspot
Why living longer is a blessing and a financial risk
Night 4: Income First Retirement
Why living longer is a blessing and a financial risk
Night 5: Your Retirement Trap Audit
A self-assessment across the four traps
Why Waiting Is the Biggest Risk
The truth is, most people don’t lose their retirement in one giant mistake — they lose it slowly, by putting off small but critical changes until it’s too late.
Every month you delay protecting your plan, you’re leaving the door wide open for:
A market drop that could slash your savings in the first fragile years of retirement.
Missed opportunities to secure safer income streams before inflation and taxes eat away more.
Less flexibility — the closer you are to retirement, the fewer moves you can make without major sacrifices.
The traps don’t wait. Markets don’t wait. Inflation doesn’t wait. And your retirement date isn’t slowing down either.
If you’ve ever thought, “I’ll deal with this later,” this is your warning sign: later often turns into never.
The difference between acting now and waiting even a year can be worth hundreds of thousands of dollars in lifetime income.
Secret Insights Found In
"The Four Retirement Traps"
Most people walk into retirement believing the same myths they were told while they were working: chase growth, trust the averages, and everything will work out. The truth is, those same ideas are exactly what sink retirements. Here’s what you’ll discover inside The Four Retirement Traps:
Secret Insight #1: Average Returns Don’t Equal Real Results
Wall Street loves to show you neat charts of long-term averages. But the order of your gains and losses matters far more than the average. A single bad stretch in your first years of retirement can erase decades of savings — and once it happens, you can’t earn your way back.
Secret Insight #2: Growth Isn’t Always Good
What built your wealth can destroy your income. The “growth-at-all-costs” mindset that worked in your working years turns toxic when you’re withdrawing from your portfolio. A market downturn in those early years isn’t just a paper loss — it locks in permanent damage.
Secret Insight #3: Longevity Is the New Risk Multiplier
Living longer is a gift, but it multiplies every financial risk. Inflation has more years to compound. Healthcare has more years to rise. Taxes have more years to change. Without a plan that accounts for decades, you may outlive your money — even if you thought you had “enough.”
Secret Insight #4: Income, Not Growth, Creates Freedom
Traditional retirement plans assume you’ll sell investments for income. The problem is, markets don’t always cooperate when you need them to. The secret is shifting from “how much did I earn?” to “how much income can I count on?” Only an Income First strategy gives you the freedom to spend confidently, knowing your bills are covered no matter what the market does.
BONUS:
Retirement Strategy Call
The lessons inside The Four Retirement Traps will give you the clarity and tools to protect your retirement. But every retirement is different — your numbers, your goals, and your situation are unique.
That’s why, when you complete the program, you’ll also receive a one-on-one Retirement Strategy Call with our team. Normally, this session costs $495, but it’s included for free when you join today.
On this call, you’ll:
Review your Retirement Trap Audit to see where you’re most at risk.
Get clear answers about your income gap, sequence-of-returns risk, and longevity planning.
Walk away with an action plan designed specifically around your goals.
This is your chance to sit down with a trained financial advisor and get personalized guidance on how to put what you’ve learned into action.
The strategies in the program will show you what to do. The call will show you how to apply them to your own life.
When you put in your contact info to pre-order we can get you set up with an advisor right away so you can get started on the right foot.
This Opportunity Won't Last...
Right now, you have a chance to do what most retirees never do: take control of your income plan before it is too late. The Four Retirement Traps was built to help you spot the mistakes that quietly drain retirements and fix them before they cost you hundreds of thousands of dollars.
But this offer will not be open forever.
The bonus Retirement Strategy Call is only available while our team still has openings. Once those spots are full, it may be weeks or months before new ones open again.
The traps do not wait for you. Markets move whether you are ready or not. Inflation compounds every single year. And the closer you are to retirement, the less room you have to recover from a mistake.
You can wait, but every day you delay is another day of risk. Or you can take action today and secure your place in the program, along with your free $495 Strategy Call, before the opportunity disappears.
Why the Price is Just $27
Protecting your retirement is not something that should cost thousands of dollars up front. That is why we made The Four Retirement Traps available for only $27.
Think about it. A single mistake in retirement can cost you tens or even hundreds of thousands of dollars. One bad sequence of returns, one market downturn in your first years, or one misstep with longevity planning can drain savings you spent decades building.
Financial advisors regularly charge $200 to $500 an hour for guidance that often does not go into this level of detail. Here, you get a complete step-by-step system, real-world case studies, checklists, and quizzes to apply it directly to your own plan — all for less than the price of dinner for two.
And you are fully protected by our 30-day money-back guarantee. If you do not find at least three ways to make your retirement safer, you get every penny back.
$27 is not just the price of this program. It is the smallest investment you can make to protect the biggest financial milestone of your life.
Review your Retirement Trap Audit to see where you’re most at risk.
Get clear answers about your income gap, sequence-of-returns risk, and longevity planning.
Walk away with an action plan designed specifically around your goals.
This is your chance to sit down with a trained retirement strategist and get personalized guidance on how to put what you’ve learned into action.
The strategies in the program will show you what to do. The call will show you how to apply them to your own life.
When you pre-order today you will be first in line to speak with our advisors.
You’ve Seen the Traps. Now It’s Time to Protect Yourself.
By now, you understand the four traps that quietly destroy retirements. You know how average returns can mislead you, how chasing growth in retirement can backfire, how longevity turns into a financial blindspot, and why income must come first if you want true peace of mind.
The question is simple. Will you keep hoping your current plan holds up, or will you take the small step that could save you from making the same costly mistakes thousands of retirees make every year?
That is exactly why we created The Four Retirement Traps. It gives you a proven, step-by-step system that makes these concepts simple, practical, and immediately usable in your own life.
And right now, you can pre-order to be the first to set up time with our advisors.
Click below to secure your copy today, start the program, and give yourself the confidence that your retirement plan is built to last.
Night 1: The Myth Of Average Returns
(Digital PDF Download)
Why average returns don’t equal actual results in retirement
Night 2: The Growth
Trap
(Digital PDF Download)
Why retirement investing is not the same as accumulation investing
Night 3: The Longevity Blindspot
(Digital PDF Download)
Why living longer is a blessing and a financial risk
Night 4: Income First Retirement
(Digital PDF Download)
Why living longer is a blessing and a financial risk
Night 5: Your Retirement Trap Audit
(Digital PDF Download)
A self-assessment across the four traps and meeting with a financial advisor
You’re Protected by Our 30-Day Guarantee
I know how important your retirement is, and I also know it can be hard to trust another program promising to help. That is why The Four Retirement Traps comes with a simple promise:
Go through the lessons, take the quizzes, and use the checklists. If you do not discover at least three ways to make your retirement safer, send us a quick email within 30 days and you will get a full refund. No questions, no hassle.
The truth is, the risk of doing nothing is far greater. One mistake in retirement can cost you hundreds of thousands of dollars. This program costs only $27, and you are completely protected.
That means you have two choices.
Do nothing and stay exposed to the traps that catch so many retirees.
Or try the program today with zero risk and see for yourself how much stronger and safer your retirement plan can be.
The decision is completely safe. The results could change your future.
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