Ultimate Retirement: Build Your Own Dynamic Retirement Plan
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Ultimate Retirement: Build Your Own Dynamic Retirement Plan

Learn the 12 Step Guide to Building Your Specific and Actionable Retirement Plan—Straight from the Experts of 35+ Years
4.0 (16 ratings)
Instead of using a simple lifetime average, Udemy calculates a course's star rating by considering a number of different factors such as the number of ratings, the age of ratings, and the likelihood of fraudulent ratings.
1,193 students enrolled
Last updated 4/2017
Current price: $12 Original price: $50 Discount: 76% off
4 days left at this price!
30-Day Money-Back Guarantee
  • 6 hours on-demand video
  • 6 Articles
  • Full lifetime access
  • Access on mobile and TV
  • Certificate of Completion

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What Will I Learn?
  • Direction for students of every level through the difficult path of retirement—simplifying the steps, and optimizing them for your best results
  • Knowledge and principles based on a combined 35+ years of extensive research and study, including working with some of the leading experts in the field of investments
  • Invaluable information, essential concepts , and practical steps for getting your retirement plan in order
  • Extensive details on creating your own retirement plan—for free, as many times as you like
  • The ability to calculate your own, personal “retirement number”
  • Numerous ways you can adjust and modify your retirement plans and “retirement number” as your life situations change
  • Explanation of how the two phases of your financial life affect the decisions and actions you should be taking
  • Small actions you can take today to immediately save thousands on your investment and retirement accounts
  • Real-world ideas on how to speed up your retirement dream
  • Education on how to best work with and capitalize on your financial professionals knowledge and resources
  • Explanation on why the glory years of retirement age is no longer the dream—and why that’s a good thing
  • Detailed walk-through of the three levels of financial freedom—and how to go about achieving each one in your life
  • Teachings on how to profit from the powerful effects of compounding assets
  • New knowledge on how the fees you pay on your investment accounts are eating an enormous amount of your nest egg—and how to acquire nearly free alternatives
  • Recap of extensive studies showing why most managed funds do not outperform nearly free alternatives
  • Education on how budgeting now and for retirement will probably leave you better off than you think
  • A workable budget that you can use to plug your own numbers into
  • Immediate action items you must consider taking in your financial life
  • Understanding the importance of why your retirement mindset is absolutely critical to the amount of financial success you will achieve
  • Detailed list on how to tell which financial professional to work with. (This can drastically change your retirement path)
  • Encouragement and motivation to look forward to your new future…instead of being frustrated by past results or failures
  • True financial peace knowing you have a workable retirement plan which you fully understand
  • Opportunity to maximize the amount of money you will be able to live off of every year of your retirement
View Curriculum
  • You can start this course with any level of experience, and go straight to learning the absolute best strategies that we know works for clients and students to create their own retirement plans—which is based on our 35+ years of experience
  • You can know next to nothing about investments and retirement, and use our 12 retirement planning steps to optimize your future or current retirement—which we are very confident will leave you much better off, no matter your financial situation
  • You can begin this course immediately—if you have no knowledge, or if you are an expert in the financial field, to begin confidently approaching your retirement dreams


  • To create an income at retirement beyond what you currently envision?
  • To retire many years sooner than you're currently planning?
  • To live without stress knowing that your retirement is planned for and secure?
  • To create—and revise—more proven, personalized ones—for free—on your own?

It's possible—It's up to you if you want to achieve it.


Five reasons to take this course IMMEDIATELY:

  1. Correctly answer the “How Much Do I Need to Retire" question. That's the most common question we get from our clients. You will learn exactly how to answer that question for yourself. By the end of this course, you will be able to immediately create your own retirement plan, adjust it to your scenario, and know exactly the steps and process you will need in order to secure your ideal retirement. Adjust this as often as you like to your changing situations, at no cost, with no advisor or money manager biases, and with a more accurate and realistic “Retirement Number" than you've seen before.
  2. You get to ask us questions and see our answers to all students through the exclusive class discussion boards. Ask us any question specifically related to the lectures in this course, and receive a prompt answer—straight from the experts—to you as our student! We will do our best to give you complete answers that will be helpful and useful to you.
  3. You receive instant access to the full course materials, along with constantly updated lectures. This is material directly from the two instructors' over 40,000+ hours of experience and backgrounds in the financial and retirement fields. Including over 30 years of professional coaching with clients, advanced degrees and certifications, as well as extensive and ongoing studies relating to preparing for and optimizing both ours and our clients' retirements. What this means is you can save years of time and avoid the many pitfalls that countless others fell into before. This aspect alone is worth thousands!
  4. This course is original, honest, and from the heart. It's our passion to help others achieve the kind of success we know they're capable of, and we are frustrated seeing so many being led in the wrong direction. Our course is personal and professional—created through our skills and involvement with experts—based on how we achieve success, and how we get our clients to their dream retirement.
  5. Every day you wait is costing you money. Each day you delay makes it that much harder to hit your retirement goals. Every dollar you pay in fees is sucking thousands of future dollars out of your retirement. These numbers compound and add up exponentially when you need it most. If you don't start today, the money won't be there when it matters. The time is no better than right now. Put in the small effort it takes today in order to prepare for and secure your retirement down the road. The sooner you take action—the far better off you will be!


Conventional retirement planning is backwards!

Your retirement must revolve completely around the income you can create each and every year after you are finished working full-time. It does not revolve around the mysterious “retirement number" you so often hear. The real goal in retirement is sustainable spending—not portfolio value. This one change in how most approach their financial picture—is what makes all the difference!

Approaching it this way gives you a retirement picture based on real, hard, concrete facts and projections precisely catered to your needs. It does not give you pie-in-the-sky numbers, generic rules of thumb, and anyone's best guess as to what it truly means for your retirement years. It does not give you biased recommendations, questions of your financial security, or numbers so high you think you will never get there.

Instead, it gives you the exact plans, confidence, and peace of mind that when you do achieve it—you can have the lifestyle you dream of. Learn how to do this!


Begin to enhance your retirement right now, no matter what experience or knowledge you might already have. This course is for everyone who wants to create their ideal life beginning now, and through retirement. No matter your age, income, or where you are in the world—this course is designed for you.

That's because your retirement plan revolves around you. In today's world, you can be in control of where your money is going, how it's being invested, and more importantly—in the driver's seat of retirement.

If you are willing to do the kinds of things that others won't—you can achieve the kind of results that others can't.

Do you want to sit on the sidelines—waiting, hoping, and relying on others for success? Or do you want to be in the game with your finances—in control of your success? It's a game you can't afford to lose. Remember—nobody cares more about your financial outcome, than you and your family. You owe this to yourself.

We know the challenges you face in the financial world. We've seen it all. Who do I trust? Where do I put my money? How do I plan for the future? I've been burned before, how can I avoid it again?

In our course, we will discuss the path that many are heading toward in their retirement…stressed out, worried, and working so hard they sacrifice their health at retirement. You will also see the path that far too few retirees are heading down…fully prepared, knowing what their life will look like at retirement, and making the necessary adjustments along the way in order to account for life's changing circumstances. This is where we want you to be.

You'll then move on to learning about the retirement fundamentals—essential concepts you need to know. We'll discuss the variables that will have the biggest impact on your retirement planning, the variables that most financial professionals do not even address or account for!


We'll go on to show the exact steps it takes for you to budget, plan, and project what your retirement years will look like. This is the fun part—it allows you to dream and correct for any shortfalls you might currently have—no matter your age. After that, we will present the course retirement calculators—combining everything you now understand in order to prepare your personalized retirement plan. This will show you what you are on track for, where to adjust in order to get what you want, and give you specific and actionable plans in order to properly move ahead.

We will present ways for you to make up the differences, accounting for areas where you might be lacking in right now. The course will show why the fees you are paying in your accounts are costing you MUCH more than you probably think, what the alternatives are, and why the path that 90% of future retirees are headed is not the way to go (think high fees). The financial system today is a fragile one that looks great when things are going well, but will leave you high and dry when the first sign of trouble comes. We've seen it before—we don't want that to happen to you.


We will continue the course with the importance of your retirement. It starts with your thoughts—how much money do you want every year at retirement? Focus on that, set your mind to attaining it—then take the proper actions necessary to get there. It isn't all about just “thinking" about what you want—but your thoughts coupled with the proper action will put you over the top. The key is learning to combine these two components in the right ways—most people only have one or the other.

You will also learn how to find the proper financial advisor or professional, and how to best utilize their resources to your advantage. Your financial professional absolutely must have your best interest in mind before their paycheck. That is vital. There are plenty of trustworthy ones out there if you take the time to find them. Learn how in this course.

Finally, we will give you the step-by-step game plan, including immediate action steps you can take right now in order to save a ton of money, start preparing, and be well on your way to the retirement life you want!

As a bonus—we will thoroughly discuss ways to speed up your retirement plans, or make up for lost time in our creative retirement planning section. This includes the three main inputs to your retirement calculation—save more, earn more, and increase returns. This section will provide tips and ideas for you to put to work immediately in either achieving your goals sooner, or altering your plans to line up with what you truly want out of your pre- and post-retirement life.

In addition, this course is constantly updated with the most up-to-date material.

You can access all of the course materials—including the lectures and class discussions—on your computer, through your iPhone or iPad, and on any Android phone or tablet.

On top of all of this…the course comes with a 30 day, no questions asked, 100% money-back guarantee. If at any time within 30 days you are not satisfied with the quality of the course, simply issue a refund and we will be happy to deliver.

All of this for the one time price of this course! Don't spend tens of thousands of dollars on financial seminars that continue to sell and take your money. Don't continue to pay financial professionals fees or commissions to prepare personalized retirement plans. You can do this all on your own at zero cost to you—as often as you like!

Respect your money…It's never too late to start. Click on “Take This Course" to enroll today!

Who is the target audience?
  • Anybody that wants to take control of their retirement future, not having to rely on financial professionals
  • Any person who is serious about learning how to develop and maintain an accurate budget which they can easily modify throughout their life
  • If you are not motivated to take some control in your retirement outcome, this course may not be for you
Compare to Other Retirement Planning Courses
Curriculum For This Course
37 Lectures
Begin to Create Your Ultimate Retirement Plan
8 Lectures 01:19:31

In this first lecture we discuss whether or not this course is for you. We introduce your two instructors as they discuss their qualifications. We also discuss the objectives of the course and what it is all about and we explain its importance.

Preview 15:21

Tudor Coaching Group is now Margin of Safety Investing, LLC

We explain how you will benefit from this course. We also discuss why we believe that retirement planning is necessary.

How to Get the Biggest Benefit Out of This Course

In this lecture we introduce two couples--these could be your neighbors or friends--one of them might even be similar to you. Their situations appear the same on the surface, but when you examine the small differences in approaches you learn how their results differ tremendously

Let's Contrast Two Couples

Here we start laying out the fundamentals of retirement planning. We explain some of the concepts you need to know in order to get started

Preview 13:51

In this lecture we begin to discuss the variables which impact your retirement plan. We review eight variables in this course--in this lecture we cover the first four.

Variables to Your Retirement Plan--Part 1

We continue our discussion of the variables which impact your retirement plan. We introduced eight in the previous lecture and delved into the first four. Now we wrap up the remaining four variables.

Variables to Your Retirement Plan--Part 2

This lecture reviews the key takeaways from Section 1, highlighting crucial areas for you to be sure to understand before continuing on.

Section 1 Review
Welcome to Our Conference Room
10 Lectures 01:47:56

In this lecture we take you inside our conference room as we begin consulting with a client. You get to listen to how our first meeting goes and which topics we cover in this type of meeting.

The First Step in Your Retirement Plan

In this lecture we introduce the importance of budgeting when it comes to developing any financial plan. We show you how much impact each $100 invested in your retirement account can have on your ultimate retirement number.

Budgeting Can Be Fun Too

We introduce the concept of developing a second budget--one for your retirement years. We fully explain why this is necessary and why your entire retirement plan hinges on this budget. We also point out some of the major areas in which people need help when developing an accurate budget.

A Key Step in Your Retirement Plan

In this lecture we begin to show you how to compile a list of your total investable assets. We also begin our discussion of how to correctly determine your current earnings rate for your investments.

What Is Your Rate of Return?

We dive deeper into calculating your correct investment rate of return. We also examine the tremendous impact management and other fees have on your total rate of return.

Preview 07:28

We introduce the combo retirement calculator. We teach the importance of using this calculator as well as fully explaining how to use it to correctly calculate your "retirement number."

The Retirement Withdrawal Calculator--Part 1

We continue our discussion of using retirement calculators and fully instruct you on how to calculate your “retirement number” and how to modify it as you progress toward retirement.

The Retirement Withdrawal Calculator--Part 2

We continue our discussion of using the retirement calculator by putting it into action with real-life examples. We discuss the significance of this calculator and fully explain how to use it in your retirement planning.

Preview 14:32

In this lecture we explain the different levels of financial freedom. We believe there are three levels and we fully explain each one. The purpose of this lecture is to encourage you and to show you that retirement numbers come in all shapes and sizes. It's not a one-size-fits-all process.

Levels of Financial Freedom

This lecture reviews the key takeaways from Section 2, highlighting crucial areas for you to be sure to understand before continuing on.

Section 2 Review
The Accumulation Phase
7 Lectures 52:05

We have fully discussed the withdrawal phase of retirement and how to calculate your retirement number. Now you need to learn how to determine if you are on track for reaching this number and, if not, what adjustments you need to make in order to get on track.

How to Calculate What You Are on Track for

Now we dig even deeper to help you figure out where you are currently headed and what adjustments you will need to make to your retirement plan. In this course we spend much time using the Combo Rteirement Calculator.

The Accumulation Phase Calculator--Part 1

We complete our discussion of the accumulation phase calculator. We go through a real-life example of someone working through the calculations to see what they need to do in order to accumulate the amount they need for retirement.

The Accumulation Phase Calculator--Part 2

In this lecture we discuss a real life retirement plan we did with a recent client. You get to listen and watch exactly the steps we took in solving their retirement issue and coming up with a working plan

Accumulation Calculator in Action

In this lecture we discuss the effect of fees on your retirement number. We fully explain how fees take massive amounts from your pockets which can dramatically reduce your standard of living during your retirement years.

What is the Effect of Management Fees?

In this lecture we show you how managed funds (as a whole) do not beat the market. We explain why this is the case.

Managed Funds Do Not Beat the Market

This lecture reviews the key takeaways from Section 3, highlighting crucial areas for you to be sure to understand before continuing on.

Section 3 Review
Creative Retirement Planning
6 Lectures 46:24

In this lecture we provide you with some immediate suggestions in order to alter your life and your retirement plan. We emphasize the flexibility of your retirement planning. And we review the three important areas where you can improve and focus your attention on

Preview 03:48

In this lecture we go over a case study introducing you to a couple that seem to be on track but because of an unforeseen curve ball, they got off track. We discuss how this couple can use each of the three areas we introduced in the previous lecture to get back on track.

Kim and Paul--A Case Study

In this lecture we show the importance of saving more and the dramatic impact this can have on your retirement account balances. We stress the importance of committing right now to making at least some small change to your budget.

Saving More

In this lecture we show the importance of earning a little more and the dramatic impact this can have on your retirement account balances. We provide you with suggestions as to how to you might go about accomplishing this.

Earning More

In this lecture we show the importance of increasing your rates of return. We show the dramatic impact that an increased rate of return can have on your ending retirement account balance. We also explain how important this increased rate of return is during the withdrawal phase as well.

Increasing Your Rate of Return

This lecture reviews the key takeaways from Section 4, highlighting crucial areas for you to be sure to understand before continuing on.

Section 4 Review
Retirement Gameplan
6 Lectures 01:05:36

In this lecture we review the importance of understanding what your retirement means to you. We try to get you to really dive in and determine your purpose for investing. This might sound obvious, but it really isn't.

What is Retirement to You?

This lecture begins our case study of a specific retirement objective and how we were able to help a client come up with a specific plan of action in order to meet that objective. This is the first part where we discuss how they were able to transform their retirement budget to reflect their new potential lifestyle.

The Full Retirement Plan in Action--Part 1

This lecture is part two of a case study of a client who had a specific retirement objective. In this lecture, we walk through the exact calculations they were able to make with their retirement calculators, including what their new retirement plan could be in order to achieve their goals.

The Full Retirement Plan in Action--Part 2

In this lecture we discuss what to do when working with an advisor or financial professional. We help you to determine whether or not you are working with a professional whom has your best interest in mind. We provide you with a list of questions to ask your advisers.

Things to Consider When Working With Financial Professionals

In this lecture we discuss what it is that you should do now. We present twelve steps to follow in order to get your financial and retirement plan on track and keep it there. We urge you to get started right away.

Your Step-By-Step Retirement Plan

This lecture reviews the key takeaways from Section 5, highlighting crucial areas for you to be sure to understand upon completing the course

Final Review
About the Instructor
Margin of Safety Investing
4.2 Average rating
58 Reviews
2,291 Students
2 Courses
Investment Research & Training

Our mission: To provide the best, most actionable investment and financial education—enabling you to reach and surpass your financial goals through each stage of your life.

Margin of Safety Investing, LLC provides coaching and educational services related to financial topics. It was founded by Randy Tudor and Kevin Tudor as a conduit to providing timely, meaningful, low-cost and workable solutions to the financial challenges most people experience today.

Randy Tudor has made the study of financial and tax matters his life-long pursuit. Before opening the doors to his first successful business in 1983, he held various positions and roles with several fortune 500 companies. Since then, he has operated his own accounting, tax and financial planning firms, and has earned numerous financial and accounting certifications along his journey. Randy has had the opportunity and pleasure to work with hundreds of clients in starting up their own businesses, handling tax matters, and learning how to become financially independent by utilizing optimal investment vehicles.

Kevin Tudor has been closely involved with the financial industry for over six years. He has worked with and coached clients on the subjects of retirement planning, foreign currency trading, stock market investments, and small business. Studying under some of the top people in the field, his unique insights and abilities have enabled him to realize much success in managing real-life investment portfolios. Always looking to gain a new edge in his own investments, strategies for clients, and new teachings, Kevin has seen, and practiced, what it takes to become financially successful and fulfilled in life.

Both Randy and Kevin are passionate about sharing their unique knowledge, expertise and insights with their clients and students. They strive to enable you to be comfortable managing your own finances and investments—fully preparing you financially for retirement and other financial goals through each stage of your life.