Adam Cufr is a man of two passions – music and finances. As a longtime drummer and retirement advisor, he sees parallels between those worlds. He understands rhythm and structure, harmony and tempo. He can inspire you to orchestrate the retirement of your dreams.

The founder of Fourth Dimension Financial Group and a frequent media commentator, Cufr has met many people as they embark on this new phase of life. Retirement is an exciting time of freedom and growth, but Cufr knows it can also be a troubling one. So many worries can keep you awake at night: Will the market crash again? Will inflation and taxes pick your pocket? Will you have enough to live well the rest of your life? What if you or your spouse gets sick? Cufr can help you cut through the complexities to find clarity. The rules have changed. Once, you were building for the future. Now, the future has arrived. If you continue to invest the way you did when you were younger, you could jeopardize your life savings. You need to put that nest egg to work so that it takes care of you for a lifetime, with a legacy beyond. Cufr can show you strategies and tools that work – and steer you away from danger. You deserve peace of mind.

In Off the Record, Adam Cufr explains the four dimensions of retirement preparation – income planning, risk management, tax strategy, and estate planning. Above all, retirees must recognize the importance of time itself – often considered the fourth dimension in our 3-D world. Finding the right pace is critical to success in our financial lives.

It all starts with understanding yourself. Cufr emphasizes the need to set clear goals for retirement. He will work with you to figure out just what you want out of life, and then help you rally your resources to get it. First, he will make sure you can meet your daily income needs. Then, it's onward to the dreams.

Adam Cufr knows what life can throw your way. He and his family have had their own share of challenges – and they have made him stronger and better able to guide you through this new dimension of retirement.Foreword by Lee Powell

ADAM CUFR, RICP® is a founding principal of Fourth Dimension Financial Group, LLC, and is an author, a sought-after media commentator and thought leader. Adam was named one of The 20 Most Creative People In Insurance in 2015 and is a columnist for Retirement Advisor Magazine and the author of Off the Record – Secrets to Building a Successful Retirement and a Lasting Legacy.

Adam earned licenses in life, health, and property & casualty insurance as well as the Series 6, 7, 24, 26, and 63 licenses. He also earned The American College’s prestigious Retirement Income Certified Professional® (RICP®) designation. Adam graduated from Bowling Green State University with business management degrees in Purchasing Materials Management and Production Operations Management. He is a native of Northwood, Ohio and in 2012 was chosen as Alumnus of the Year by Northwood High School.

Married since 1999, Adam and Carie are on a grand adventure with six daughters. Adam enjoys working out, reading thought-provoking books, and driving sports cars. For 20 years, Adam performed as a drummer in The Ohio Air National Guard Band of the Great Lakes. Drumming has allowed Adam to perform in six countries, on national television, with Miss America, and for The President of The United States.

ABOUT THE AUTHOR
FOREWORD: YOUR FINANCIAL OPUS by Lee Powell
A Different Drummer
Tempo: Setting the Proper Pace for Retirement
Structure: Reviewing the Four Dimensions of Planning
Clarity: Hitting the Right Beat for Your Life Goals
Harmony: Performing in Perfect Tune with Others
Consonance, Dissonance: Avoiding Unpleasant Passages
Rhythm: Finding the Right Time for Reliable Income
Finale: Determining Your Legacy
The Unifi ed Whole
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