We have built a proven solution to replace your current income in retirement tax-free while leaving a legacy for your family.

Protecting your retirement nest egg from the volatility in our markets today.


Watch as your cash reserves continue to grow with double digit returns, year-after-year. Increase the available cash you have for business emergencies. Don’t get stuck without available cash to keep your business running.


We helps our clients hedge against market volatility and against taxes when possible. We are completely independent, so our client’s interests are always our only focus. 


Smart Safe Retirement with Steve Wood’s mission is to educate you on how to create a more fruitful retirement, tax free plan for college funding and even save on your health expenses. 

Smart Safe Retirement specializes in helping clients develop leveraged income tax free and a large legacy as well. We understand the challenges of retirement today and know the biggest concern for many is outliving their money. I am a  strong advocate for creating tax-free income streams whenever possible.

Steve Wood has a finance career spanning over 20 years. He spent the last four years focusing on helping clients create predictable retirement income.

We help clients hedge against market volatility and hedge against taxes when possible. Smart Safe Retirement is completely independent, so our client’s interests are our only focus. 

Generational Vault

Never again worry about forgetting where you put your trusts, wills, powers of attorney, insurance policy, investments and other critical documents because they can now all be kept in one place … that is easily accessible! Our Generational Vault is a virtual “safety deposit box” for you to upload important documents and view financial information. Generational Vault is available 24/7 making your essential documents readily accessible at the click of button. Contact us today to learn more how Generational Vault can help ensure that you are left with clarity instead of chaos.

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Information is not intended as specific financial advice and is for informational purposes only.  Always consult your financial or tax professional before making any financial or tax decisions. Insurance products and annuity income guarantees rely on the financial strength of the insurer.