The Buckeye Shield · Retirement Protection Planning

10 risks threaten your retirement. Most people only find out about one at a time.

Most Americans enter retirement without a real protection plan. The Buckeye Shield closes that gap — a layered defense against the 10 risks that can undo decades of saving, built with the same game-planning mindset I used as a free safety on the field.

NORTHERN VIRGINIA CENTRAL VIRGINIA SOUTHERN VIRGINIA
20+Years Experience
3,000+Clients Served
8States Licensed
$0Cost To Meet

Build Your Shield

Tap the risks that worry you most about retirement.

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Shield Strength 0 of 10 selected

Every risk you select becomes part of your review — we build the strategy around what actually concerns you, not a generic checklist.

The 10 Retirement Risks

Any one of these can derail decades of saving.

Most people approaching retirement have no idea how many threats exist to their financial security. The Buckeye Shield has a proven strategy for each one — whether you're in Northern Virginia, Richmond and Central Virginia, or Southern Virginia toward Lynchburg and Danville, the review happens locally, not over a call center script.

Longevity Risk

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Inflation Risk

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Market Volatility

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Withdrawal Rate

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Healthcare & LTC

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Tax Risk

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Social Security

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Legacy & Estate

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Liquidity Risk

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Sequence of Returns

The Strategy

The Buckeye Shield protection stack.

A layered defense, not a single product. Each piece addresses a different risk from the list above.

01

Fixed Index Annuities

Protect principal while capturing market upside. Gains lock in permanently each year — ideal for those 5–15 years from retirement.

02

Indexed Universal Life (IUL)

Build a tax-free retirement income engine. Cash value grows tied to market indices with downside protection.

03

Hybrid Long-Term Care

Life insurance and long-term care in one policy — your money always does something meaningful, no "use it or lose it."

04

Roth Conversion Strategy

Stop the Tax Torpedo before it fires. A conversion ladder mapped to reduce future RMDs and lifetime tax liability.

Real Stories, Real Results

Clients who beat the 10 risks.

⌛ Longevity Risk

"My biggest fear was outliving my savings. Lee showed me how a properly structured FIA could guarantee income I literally cannot outlive."

Margaret T. — Retired Teacher, Virginia
💼 Market Volatility

"I watched my 401(k) drop $80,000 in six months. Lee showed me how an FIA captures gains and locks them in. I've slept better ever since."

James H. — Small Business Owner, Ohio
📄 Tax Risk

"I had $620,000 sitting in a traditional IRA. Lee showed me RMDs meant the government was a silent partner in nearly a third of it."

Michael S. — Engineer, Tennessee
Questions & Answers

What people ask before they call.

What is the Buckeye Shield?

Lee Boone's proprietary retirement protection framework. It layers a Fixed Index Annuity, an IUL policy, hybrid LTC coverage, and a Roth conversion ladder to address all 10 major retirement risks in one coordinated plan.

What are the 10 retirement risks?

Longevity, inflation, market volatility, withdrawal rate, healthcare and long-term care, tax, Social Security, legacy and estate, liquidity, and sequence of returns risk. Any one can derail a plan that took decades to build.

What is a Fixed Index Annuity?

An insurance contract that grows money tied to a market index with a guaranteed floor — principal can't be lost to a downturn, and gains lock in permanently each year. Best suited to those 5–15 years from retirement.

How much does a review cost?

Nothing. It's a free, no-obligation session covering your retirement income gaps, tax exposure, and a protection strategy matched to your timeline.

Do you work outside Virginia?

Yes — licensed in Virginia, Maryland, North Carolina, South Carolina, Arkansas, Texas, Ohio, and Tennessee. Not currently licensed in New York.

Start Here

Get your free Retirement Protection Review.

Tell us a little about your situation. Lee reviews every submission personally and follows up within one business day.

Free Retirement Protection Review

Takes under a minute. No obligation.

Your information goes directly to Lee Boone. It is never sold or shared with third parties.

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