QLACguru Seminar

How to Maximize Income in Retirement

Learn how to reduce taxes and have a stream of income you cannot outliveMan with watering can growing flowers

Seminar Topics:


  • Learn about investment alternatives that provide lifetime income and minimize Required Minimum Distributions.

  • Learn the impact of different kinds of investments on Required Minimum Distributions.

  • Learn how to make the transition from you Defined Contribution plan to a Defined Benefit Retirement.  

  • Learn about the tradeoffs between IRA's, Immediate Annuities and Deferred Annuities.

  • See how an annuity can assure lifetime income in retirement and allow more flexibility in early years of retirement.



Seminar Faculty


Raymond B. Ryan, co-founder, directs Tax, Finance and Accounting, and Financial Content at Real Time Capital and QLACguru.com.  Mr. Ryan has a long career of providing innovative funding solutions to clients. Mr. Ryan is a founding principal in RingsEnd Partners, LLC. He is also the founding partner of EBIC, LLC, a company that offers equity-based incentive compensation structures to public companies.

Mr. Ryan was a partner in the Evergreen Group Incorporated, a corporate-owned life insurance brokerage acquired by The Hartford Insurance Group in 1996. Mr. Ryan was employed as President of The Harford subsidiary until 2002.

Mr. Ryan began his career as an accountant and tax specialist at Price Waterhouse. He rose to the position of partner at Price Waterhouse in nine years; his partner assignments included the International Assignment Tax Services Director in Europe and New York.

Mr. Ryan also served as Chief Financial Officer of Crow Development Company (an affiliate of Trammell Crow Company) in Dallas, Texas. He received his BA and MBA from Stanford University in Palo Alto, California. Mr. Ryan is a licensed insurance producer in Colorado and holds a Series 6 FINRA Registration. Also, Mr. Ryan is the named inventor on three financial patents and has other pending patent applications.

Ronald D. Ryan is a co-founder and directs Marketing and Operations for Real Time Capital, Inc. and QLACguru.com.

In 2009, Mr. Ryan founded Ron Ryan and Associates, a management consulting firm based in Knoxville, TN. Mr. Ryan’s practice has specialized in operations and profitability improvement. His consulting work has included strategy, process improvement, marketing segmentation, and website optimization work for companies like insurance.com.

Before founding his consulting business, Mr. Ryan held VP of Operations and SVP Product Management roles at Answer Financial, Inc. Acquired by Allstate, Answer Financial is one of the largest independent auto insurance agencies in the US, a comparison shopping web site, affinity marketer, and sister company to the online auto insurer, Esurance. 

Mr. Ryan received a Bachelor’s degree in History and Literature cum laude from Harvard College with an honors (magna cum laude) thesis in History and Literature. Mr. Ryan holds an MBA in Finance from the Wharton School of the University of Pennsylvania. Mr. Ryan is also named inventor for several issued US patents relating to financial services systems. Mr. Ryan is a licensed insurance producer in the State of Tennessee.