Retire REGAL®: The Holy Grail of Retirement

Most people approach retirement as a math problem.

They focus on account balances, projected returns, and optimized claiming strategies—hoping that if the numbers work, confidence will follow.

For many, it doesn’t.

Because retirement is not just a numbers problem. It is a coordination problem.

When paychecks stop, everything starts touching everything else: Income affects taxes. Taxes affect Medicare. Market losses affect behavior. Legacy decisions affect liquidity. A plan that looks fine on paper can still feel fragile in real life.

Retire REGAL®: The Holy Grail of Retirement presents a framework for thinking through these decisions—not as isolated choices, but as a coordinated structure designed to hold under pressure.

At the center of the book is the proprietary Retire REGAL® Process, built around five essential realms of retirement:

R — Retirement IncomeE — Employer Plan StrategiesG — Government Forces (taxation, Social Security, Medicare)A — Asset ManagementL — Legacy PlanningRather than chasing returns or focusing narrowly on one decision at a time, this framework assigns purpose to each layer of wealth. It explores how income sequencing influences taxation, how Social Security timing interacts with market risk, how healthcare costs affect liquidity, and how legacy structure can help reinforce the integrity of the whole plan.

Inside, you'll discover how to:

Think beyond accumulation and prepare for the realities of distributionUnderstand how taxes, Social Security, Medicare, and investment decisions interactUnderstand income approaches designed to provide greater stability when markets are under pressurePosition assets with purpose instead of asking every dollar to do every jobCreate a retirement structure that connects lifestyle goals and legacy in a single coordinated planThis is not a book about beating the market. It is a book about building a structure that can hold.

Written by Chris Owens, founder of Owens Financial Group and architect of the Retire REGAL® Process, Retire REGAL® offers a disciplined framework for retirement planning—one rooted not in prediction, but in preparation.

This book is educational in nature and is not individualized investment, tax, or legal advice.

Because freedom in retirement is not found by chance. It is built by design.