Home of the MACK Method
Maximize What You Keep,
Not Just What You Earn
We help people maximize Social Security and retire with confidence—stress free.
As Seen On:
As Seen On:
Too Much Earned, Too Little Kept
Too many retirees and pre-retirees are forced to shrink their lifestyle—not because they didn’t save, but because they didn’t have a strategy to maximize what they keep. Without guidance, taxes, healthcare costs, market risks, and poor Social Security decisions quietly erode their financial future. The result? More stress, less freedom, and a retirement that feels uncertain instead of secure.
Living on less than planned out of fear of running out
Missing out on Social Security benefits they could have claimed
Losing savings to rising healthcare or long-term care costs
Overpaying in taxes due to inefficient income strategies
Real Freedom Comes From What You Keep
Enjoy a lifestyle that reflects your hard work—not your worries
Spend more time with loved ones and less time stressing about money
Reduce taxes and protect your income without sacrificing growth
Rest easy knowing your plan works in every season of life
Too Much Earned, Too Little Kept
Too many retirees and pre-retirees are forced to shrink their lifestyle—not because they didn’t save, but because they didn’t have a strategy to maximize what they keep. Without guidance, taxes, healthcare costs, market risks, and poor Social Security decisions quietly erode their financial future. The result? More stress, less freedom, and a retirement that feels uncertain instead of secure.
Living on less than planned out of fear of running out
Missing out on Social Security benefits they could have claimed
Losing savings to rising healthcare or long-term care costs
Overpaying in taxes due to inefficient income strategies
Real Freedom Comes From What You Keep
When you keep more of what you’ve earned, everything changes. Your money lasts longer, your stress goes down, and your choices open up. Retirement becomes a time of freedom, not fear—where generosity, travel, and peace of mind aren’t luxuries, but part of everyday life.
Enjoy a lifestyle that reflects your hard work—not your worries
Spend more time with loved ones and less time stressing about money
Travel, give, and invest in your passions with confidence
Reduce taxes and protect your income without sacrificing growth
Rest easy knowing your plan works in every season of life
This is why we created
The MACK Method
The MACK Method is our step-by-step process designed to help you build financial confidence, maximize retirement income, and keep more of what you’ve worked a lifetime to earn. It addresses the most critical gaps in retirement planning—so you can move from uncertainty to security, with a plan that supports your life, not just your ledger.
Secure Foundation
We start by fortifying your financial base—ensuring that essential income, healthcare coverage, and risk protections are in place. This gives you a retirement rooted in stability, not guesswork, and protects what you've already built. You walk away with peace of mind, knowing your core needs are covered, no matter what life brings.
Next Level Goals
With your foundation in place, we map out what you truly want retirement to look like—from travel and legacy to lifestyle upgrades. We align your resources with your dreams so that your money is working toward the things that matter most. This phase turns passive saving into purposeful planning.
Advanced Opportunity
Here, we uncover overlooked opportunities to maximize Social Security, reduce taxes, and optimize income streams. We fine-tune your strategy so you're not just preserving wealth—but multiplying it. It’s about unlocking growth without unnecessary risk.
Strategy Success
We bring it all together into a custom, easy-to-follow plan with ongoing support to adapt as life evolves. You gain clarity, control, and confidence that your strategy is built to last. With the heavy lifting done, you can focus on living fully—not second-guessing financial decisions
This is why we created
The MACK Method
The MACK Method is our step-by-step process designed to help you build financial confidence, maximize retirement income, and keep more of what you’ve worked a lifetime to earn. It addresses the most critical gaps in retirement planning—so you can move from uncertainty to security, with a plan that supports your life, not just your ledger.
Secure Foundation
We start by fortifying your financial base—ensuring that essential income, healthcare coverage, and risk protections are in place. This gives you a retirement rooted in stability, not guesswork, and protects what you've already built. You walk away with peace of mind, knowing your core needs are covered, no matter what life brings.
Next Level Goals
With your foundation in place, we map out what you truly want retirement to look like—from travel and legacy to lifestyle upgrades. We align your resources with your dreams so that your money is working toward the things that matter most. This phase turns passive saving into purposeful planning.
Advanced Opportunity
Here, we uncover overlooked opportunities to maximize Social Security, reduce taxes, and optimize income streams. We fine-tune your strategy so you're not just preserving wealth—but multiplying it. It’s about unlocking growth without unnecessary risk.
Strategy Success
We bring it all together into a custom, easy-to-follow plan with ongoing support to adapt as life evolves. You gain clarity, control, and confidence that your strategy is built to last. With the heavy lifting done, you can focus on living fully—not second-guessing financial decisions
Discover how to keep more of what you earned in retirement!
This quick guide reveals three smart, practical moves that can help you reduce financial waste, increase your income, and enjoy a more secure, stress-free retirement.
Find your “Keep Number” to stop money from slipping through the cracks
Time Social Security for maximum lifetime income
Make powerful, low-risk financial moves after age 60
Cut hidden fees and taxes that silently shrink your savings
Meet LaRoy
LaRoy Mack is the founder of Safe Money Experts and the creator of the MACK Method—a proven system designed to help people maximize what they keep in retirement, not just what they earn.
With over 21 years of experience, LaRoy has helped hundreds of individuals turn financial confusion into clarity by showing them how to reduce risk, minimize losses, and increase lifetime income. He saw too many retirees unknowingly leaving money on the table, and set out to change that. Through personalized education and strategic planning, LaRoy empowers clients to take control and maximize every dollar they’ve worked for.
LaRoy Mack
Creator of The MACK Method
Safe Money Expert
Frequently Asked Questions:
Am I Paying More in Taxes Than Necessary?
We help you reduce unnecessary tax drag on your income and withdrawals—so more of your money stays with you throughout retirement.
Do I Have a Plan That Supports my Lifestyle?
The MACK Method helps you maximize your savings, income, and goals so you can live with freedom, not financial stress.
Unsure When or How to Take Social Security?
We walk you through timing and strategy to help you maximize your benefits and avoid costly missteps that could lower your long-term income.
Will My Money Last as Long as I Need It To?
We build a foundation of dependable income and protection to help ensure your savings go the distance.
How Can I Leave a Legacy, Without Leaving a Burden?
The MACK Method includes simple, tax-smart strategies to pass on wealth smoothly and intentionally to those you love.
Do I Have Assets Sitting in Risky or Inefficient Accounts?
We help reposition what you already have—minimizing fees and risk while optimizing income and long-term security.
(708) 794-8700
700 Commerce Drive,
Oak Brook, IL - 5th Floor
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