DreamNumber Archives - Your Retirement. Your Dreams. Your Life. Kort McCulley is Changing Your Future for the Better.

Is Retirement Dead?

By | Advice, Dreams, Education, Finance, Food for thought, Investing, Life, Mindset, Money, Motivation, Planning, Retirement, Strategy, Technology | No Comments

Personally, I don’t think this is a question. To me, this is a fact: retirement is dead. Let me explain:

Nowadays, people are living longer, which means the length of retirement will be longer too. This sort of makes the retirement system flawed, don’t you think? Right now, everyone is saving for that 10-15 year of average retirement time, but with a longer life span, that means there could be 20+ years of retirement time. People are saving and saving as much as they can in order to ensure that they will simply survive after work life ceases.

Basically, the definition of retirement means to put out of use. I speak with many people about how when they reach that retirement age, they aren’t looking forward to what many picture retirement being; sitting around and doing nothing. I totally get that! I believe that it’s important for people to stay active after retirement and do the things they love. That’s why I strongly believe that you are not saving for retirement, but are saving for financial freedom. This is a point I bring up often when I tell clients about DreamNumber, my program that allows you to organize and plan your path to your dreams and to financial freedom. I strongly suggest you check it out!

I also wanted to share with you this article from CNBC that adds to my discussion on traditional retirement being dead: check it out here. Now, I understand that everyone has their own opinions, and I respect that! I’d just like you to think about how you’d like to spend your retirement and take these thoughts into consideration!


Have a great week everyone!


Tax Cut: It’s Not All Bad!

By | Advice, Dining, Dreams, Education, Finance, Food for thought, Investing, Life, Mindset, Money, Motivation, Planning, Retirement, Strategy, Technology | No Comments

When the new tax law was first revealed, many were quick to bash any negative aspects of it that they could find. To start this week off,  I wanted to give you a little more information on the tax law so you can better understand the benefits it provides and what exactly has changed.

The new tax bill is a massive document; being over 1,000 pages,  I don’t expect you to read it all, though I do want to make this clear: it’s not all bad! In fact, one of the changes is that most tax brackets went down! To see more of the new changes, check out the ROI Tax Cuts and Jobs Act and take a closer look at the following:

  • New tax brackets, pages 4-6
  • Updates on 529 plans and retirement, page 10
  • Estate Tax Exclusion, page 11

Regardless of your political views, this tax bill is for us all! If you have any questions or are in need of further assistance, please don’t hesitate to reach out to us here or give a call to the ROI Business Services at 630-855-5787.

If You Want To Go Fast… If You Want To Go Far…

By | Advice, Dreams, Education, Finance, Food for thought, Investing, Life, Mindset, Money, Motivation, Planning, Retirement, Strategy, Technology | No Comments

There’s a famous quote that says,”If you want to go fast, go alone. If you want to go far, go together.” Many people have no problem doing things on their own, but imagine how much more you could do if you had a great team surrounding you. An article from The Meaning Movement has some great points that compare going fast alone and being great with a team- check it out here!

Now, let me ask you, who is on your financial team? Who is helping you make progress toward your financial goals and freedom?

Having a financial team is crucial. Think of a financial team as a support system. With the world and economy constantly changing, it is important for you to surround yourself with a group of people who will help you to stay on the right track to reaching your financial goals.

This week, I am challenging you to think about whether or not you have a good support team in place, and if not, please consider building one. Everyone needs a support system to keep moving forward!

Why Investors Are Losing To The Markets

By | Advice, Dreams, Education, Finance, Food for thought, Investing, Life, Mindset, Money, Motivation, Planning, Retirement, Strategy, Technology | No Comments

The market rises and the market falls- it will never be perfectly consistent. Based on research for the Dalbar study, it was discovered that there is a significant gap between the S&P 500 and investor returns that lead to the question, “Why is this gap present?”

This gap is caused by a current behavior of investors that is actually hurting more than helping; acting irrationally based on the condition of the markets. When the market is high, investors add to their investments, and when the market is low, many bail. Could it be better to stick out the bad times?

Hopefully this leaves you with some great food for thought! Have a great weekend everyone!




By | Advice, Dreams, Education, Finance, Food for thought, Investing, Life, Mindset, Money, Motivation, Planning, Retirement, Strategy, Technology | No Comments

This week, I want to discuss the importance of accountability. As I mentioned last in my last post, when it comes to your goals for this year, you should be doing 3 things: write them down, make them measurable, and have a support system to hold you accountable for those goals. It’s one thing to express your goals for the year, but it’s another task to actually follow through on those goals.

I want to keep reminding you to make sure you have someone to hold you accountable for these goals. Whether it be a family member, a friend, or even myself, hold yourself accountable; reach those goals.  With life being unpredictable, it can be really easy to get off track and even easier to push those goals off to the side. I want you to be able to accomplish the goals you have set for yourself! Make this year even better than the last!

Click here to check out a tool I created that helps you to stay on track with accomplishing your dreams! As always, feel free to reach out to me with any questions, concerns, or comments you may have! Have a great rest of your week!

Fiduciary Rule vs. Success

By | Education, Finance, Mindset, Motivation, Planning, Retirement, Strategy, Technology | No Comments

So we are the in midst of the Fiduciary Rule implementation or delay — either way it has been the talk of the industry for several months now only to recently hear about the potential uncertainty of its future altogether. All this talk has me thinking they are missing the big focus that should be in their (law makers) sights. What impact will this rule have on the success of investors and retirement plan participants? Will a reduction of fees close the savings gap? I have to laugh at the battles that our law makers are addressing while passing on the bigger issues that will actually help solve the true problems. That’s what this blog post is all about.

Investing for Kids

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Do you have your own children? Grandchildren? Children you’re the guardian of? Or even just kids you can have a positive impact on? If so, that’s the purpose of this video. I point out some potential starting points for the kids in your life. For some people in the world, it’s too late but for all kids this is the time to capture their financial future. Getting them started today might be the best thing you can do in 2017!

401(k) or Not

By | Education, Finance, Motivation, Planning, Retirement, Strategy, Uncategorized | No Comments

This week I take a recent article and breakdown seven to eight false statements by Grant Cardone attacking the efficiency of the 401(k) solution. It is an incredible planning tool that needs proper direction. If want my breakdown of this material and full commentary, you need to subscribe to my blog emails HERE.



$12 Trillion Cash & Election

By | Education, Finance, Food for thought, Mindset, Motivation, Retirement, Strategy | No Comments

Right now there are some very unique things happening. In fact, some statistics we haven’t seen in many generations including this recent Cubs rally into the playoffs. That’s what this video is all about — making decisions when unique circumstances present themselves.