Safe, Guaranteed Income for an Unpredictable Market.
I'm Rick Maraj, founder of Retirement Rescue Group. For 25+ years I've helped pre-retirees and retirees protect their savings from market losses and turn them into reliable income that lasts a lifetime.
Planning Today. Securing Tomorrow.
The fear of running out of money now surpasses the fear of death itself.
Nearly 63% of retirees and pre-retirees say their greatest concern is outliving their savings. With many people spending 25 to 30 years in retirement, the numbers simply don't work without a clear, structured income strategy. That's exactly the problem I've spent my career helping people solve.
What I Do
My entire practice rests on three non-negotiable principles — designed around one outcome: making sure you never run out of money.
Keep It Safe
Keep your retirement savings completely safe from market losses, so a downturn can never undo the years you spent building your nest egg.
Protected Growth
Position your money for growth without risk — participating in the upside of the market while your principal stays protected from the downside.
Income for Life
Convert your savings into reliable, guaranteed income you cannot outlive — a personal pension designed to last every chapter of retirement.
Risk Money vs. Safe Money
Every dollar of your retirement savings falls into one of two categories. Most people have never consciously decided how much belongs in each bucket — and that decision quietly shapes everything.
Risk Money
Growth Potential
- Stocks & Mutual Funds
- Variable Annuities
- Real Estate
- ETFs & Index Funds
Subject to market loss. Appropriate for long time horizons where recovery is possible.
Safe Money
Principal Protection
- Fixed Index Annuities
- Fixed Annuities
- CDs & Savings
- Treasury Bills
Not subject to market loss. Designed for retirement income certainty and wealth preservation.
The Rule of 110
A common guideline: subtract your age from 110 to find the maximum percentage of savings appropriate for risk money. The rest belongs in safe money.
A 60-year-old who loses 30% in a downturn has lost years of retirement income. At 35, time recovers losses. At 65 in distribution, it often doesn't.
| Age | Risk % | Safe % |
|---|---|---|
| 55 | 45% | 55% |
| 60 | 40% | 60% |
| 65 | 35% | 65% |
| 70 | 30% | 70% |
| 75 | 25% | 75% |
The Six Attributes of a True Safe Money Vehicle
Not all safe money vehicles are created equal. A fixed index annuity can deliver all six of these attributes at once — something no bank CD, bond, or treasury instrument can match.
Zero Floor on Principal
You will never lose principal due to market performance. When the index goes down, you receive 0% — not a negative.
Annual Reset
Gains credit and lock in annually. A strong market year becomes permanent — losses cannot claw back what was already credited.
Index-Linked Growth
Crediting links to an equity index such as the S&P 500. You participate in a portion of the upside — without direct market exposure.
Tax-Deferred Growth
You pay no taxes on credited interest until withdrawal, compounding your safe money faster than a comparable taxable account.
Guaranteed Income
Optional income riders guarantee a minimum level of lifetime income regardless of account value — the income you cannot outlive.
Insurance-Company Backing
Guarantees are backed by reserves subject to state regulation, dollar-for-dollar reserve requirements, and state guaranty associations.
A Simple, Proven Process
Three steps to a market-proof retirement.
Discovery & Review
We start by understanding your savings, income needs, and concerns — then review how much of your money is truly at risk.
Build Your Safe Foundation
We position your essential income in safe money vehicles so your core expenses are covered no matter what the markets do.
Guaranteed Lifetime Income
We engineer a predictable, guaranteed paycheck you can't outlive — and keep your plan on track for decades to come.
Rick Maraj
Founder & Financial Advisor
Retirement Income Specialist
25+ Years of Experience
Your Partner in Preservation
Rick Maraj is the founder of Retirement Rescue Group, serving clients throughout the State of Florida. With over 25 years of experience in the financial services industry, Rick has dedicated his career to one purpose: helping individuals and families protect what they've worked a lifetime to build — and making sure that money is there for them throughout every chapter of retirement.
He specializes in creating safe, predictable, guaranteed income for life — working with pre-retirees and retirees who are concerned about market volatility eroding their savings and the very real risk of outliving their money.
Credentials & Affiliations
Rick holds the Retirement Income Specialist (RIS) certification and has been a member of the Society of Certified Senior Advisors, the National Association of Insurance and Financial Advisors, and is an approved member in good standing with the National Ethics Association. He has lectured and consulted on retirement income planning for groups and organizations throughout Florida.
A University of Miami finance graduate originally from Winnipeg, Manitoba, Rick has called South Florida home for most of his life. He and his wife Alisha have been married for over 26 years and have two grown children, sharing a deep love of the outdoors and travel. Rick also spent 8 years volunteering as a paramedic with Sarasota County Emergency Medical Services — a testament to his lifelong commitment to serving others.
The Key To A Stress-Free Retirement
Rick is the author of The Key To A Stress-Free Retirement, an Amazon best seller that has helped thousands of readers rethink how they approach retirement planning and take control of their financial future with confidence — a definitive strategy to make your money last as long as you do.
Ready to secure your tomorrow?
Whether you're a few years from retirement or already enjoying it, let's talk about building income you can count on for life.
Toll-Free: (888) 967-3554
Tampa · Sarasota · Naples, Florida