SAFE MONEY PLANNING . SOUTHEASST MISSOURI
You worked hard for it.
Let's protect it.
Retirement shouldn't depend entirely on the stock market. We help families create guaranteed lifetime income using safe money strategies and fixed indexed annuities.
▪️Retirement Income Planning
▪️No-Cost Consultation
▪️Fixed Indexed Annuities
The Real Problem
Three things keeping you up at night
These aren't abstract concerns. They're the conversations I hear every week — and there are real solutions for all three.
What if I outlive my money?
The average retirement lasts 20–30 years. A bad market in year two can quietly devastate a plan that looked solid on paper. Guaranteed income changes that equation permanently.
Too much riding on the market
When you're 35, a crash is a buying opportunity. When you're 60, it's a crisis. The decade before retirement is when sequence-of-return risk is most dangerous
No income plan beyond Social Security
Social Security replaces about 40% of pre-retirement income for the average worker. The other 60% has to come from somewhere — without a plan, that becomes daily stress.
OUR PROCESS
The SCOUT Framework
Every client relationship follows a simple five-step path. No jargon. No pressure. Just a clear look at where you are, where you want to go, and the safest road to get there.
S
Secure
We identify what you can't afford to lose and build a protected floor around it first.
C
Clarify
We map your income gap — what's guaranteed vs. what you actually need.
O
Own
We match you to solutions you fully understand, so you own the decision.
U
Uncover
We look for hidden risks: sequence of returns, beneficiary gaps, tax surprises
T
Thrive
You retire with a paycheck you can count on — and the freedom to stop worrying about the Dow.
WHAT TO EXPECT
From first call to guaranteed Income
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STEP 1
Schedule
A free 30-minute strategy call. We talk through where your money sits and what you need it to do. No sales pitch.
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STEP 2
Income Analysis
We calculate exactly how much guaranteed income you need, and how far Social Security takes you.
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STEP 3
Compare Solution
We shop multiple A-rated carriers to find the strongest rates and the right structure for your situation.
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STEP 4
Enjoy Retirement
You decide on your terms, on your timeline. We handle the paperwork and stay your contact for life.
WHO WE SERVE
Built for working people in rural America
We work with the people who built this region — the ones who showed up every day, did the work, and deserve a retirement that honors that.
Farmers & Ag Families
Land-rich, income-uncertain — planning what retirement looks like when your equity is in the ground.
Teachers & School Staff
You've got a pension — but is it enough? We bridge the gap and protect what you've saved..
Healthcare Workers
You've spent your career protecting others. We protect your retirement savings with the same care.
Factory & Plant Workers
Loyal, steady, retirement-minded, often within 5–10 years and looking for a plan that doesn't just depend on the market.
Small Business Owners
You built it yourself. Now we help you turn that work into reliable, lifetime income.
Already Retired
Reposition existing savings into guaranteed income, without losing flexibility or principal.
MEET YOUR ADVISOR
Austin Holiman
Safe Money Specialist · Southeast Missouri
A decade of finance in the Missouri Bootheel, underwriting crop loans, farm real estate, and commercial operating lines for the families that feed this region. I know what it means to have money working hard, and what it costs when a bad year wipes it out.
That background is what drove me to the safe money space. I got tired of watching people near retirement carry risks they didn't fully understand. Scout Retirement exists to fix that , give working people access to the same kind of clear, guaranteed planning their money has always deserved.
I'm a husband, a father of three, and a Southeast Missouri native.
10+ years in finance , Missouri Bootheel
Crop lending & farm real estate
Commercial lending background
Safe money specialist
Father of three
Local Southeast Missouri advisor
"I believe retirement should bring peace of mind — not uncertainty."
Plain-English Education
The truth about annuities
Annuities are the most misunderstood product in retirement planning. Here's what you actually need to know.
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A contract with an insurance company that lets your money grow based on a market index, without ever losing principal to market downturns.
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Annuity guarantees are backed by the financial strength of A-rated insurance carriers — companies that have paid claims through every recession for over a century.
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The order your returns arrive in matters as much as the average. A crash in your first year of retirement is far more damaging than one in year fifteen.
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CDs and MYGAs look similar on the surface, but MYGAs often offer higher rates, tax-deferred growth, and death-benefit protection CDs don't.
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Yes. A properly structured income annuity creates a paycheck guaranteed to last as long as you do — regardless of what the market does.
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Your annuity doesn't disappear. It passes directly to your named beneficiaries — typically outside of probate, faster than most inherited assets.