Gary L Rau

Graduated from U. S. Naval Academy (B.S. Mathematics) and U. Wisconsin – Oshkosh (M.B.A). Designated Ramsey Solutions Master Financial Coach since 2014. 401K Fiduciary Committee Member 2018-2021. Life and Health insurance licensed in Illinois since 2017. Preparation of income tax returns with AARP/IRS VITA since 2017. Intuit Full-Service TurboTax Product certification since 2023. Retirement Researcher Academy member since 2018. Helps people to plan and live their dream retirement by teaching them to manage their money using Biblical principles and common sense through: Financial planning & coaching, Retirement & retirement income planning, and Tax preparation & planning. Grew up near Milwaukee, joined the U.S. Navy out of high school, met his wife-to-be in Maryland; married 46 years, lived in Bolingbrook since 1991. Enjoys traveling and spending time with his wife; spending time with his children, grandchildren, and the newest great-grandchild; and making Saturday breakfast and grilling Saturday dinners. 2/3 of Americans are stuck, living paycheck-to-paycheck regardless of income. We don’t have a money problem; we have a what-to-do-with-the-money problem. And that leads right into how to make the most effective use of Social Security in a world where pensions have been replaced with savings in 401K, IRA and other retirement saving plans. Even if people have saved “enough” – they generally don’t know how to take that money and create a paycheck for themselves in retirement.