Stop Gambling With Your Retirement. Start Protecting it.
Discover the Safe, Predictable Way to Grow and Protect Your
Wealth — Without Risking a Dime in the Market.
Welcome to The Coutts Group, LLC — Your Safe Money Experts.
If you're within 5–10 years of retirement (or already there), now is the time to stop hoping your retirement plan will work out — and start securing it with proven, insurance-backed solutions that actually do what they promise.
We help everyday people across the Unites States protect their life savings, generate guaranteed income, and pass on wealth — without worrying about stock market volatility, hidden fees, or cookie-
cutter advice from brokers.
Why Risk Everything you've worked for?
If the last few years have taught us anything, it’s this: the markets are unpredictable, and your future
shouldn’t depend on Wall Street.
Our clients are regular folks — teachers, business owners, retirees, pre-retirees — who want certainty, clarity, and control.
We help them create retirement income they can count on, with tools that offer safety, simplicity, and long-term peace of mind.
Our CEO
At The Coutts Group, LLC the focus has always been on helping clients protect what they have worked a lifetime to build—and turning retirement savings into reliable, predictable income.
For more than 27 years, Bill has worked directly with individuals and families as an advisor, guiding them through market uncertainty, tax risk, and retirement income decisions with a disciplined focus on safety, security, and contractual guarantees.
Rather than chasing market returns, The Coutts Group specializes in strategies designed to reduce risk, protect principal, and create dependable income clients can count on—regardless of market conditions. Every recommendation is built around clarity, control, and long-term stability.
Bill’s experience across multiple market cycles allows clients to avoid costly mistakes driven by emotion or headlines. The planning process is intentionally straightforward, education-driven, and focused on outcomes that matter most to clients: income they cannot outlive, reduced exposure to market volatility, and confidence in their retirement plan.
The Coutts Group was built on a simple belief:
Retirement should be about certainty, not speculation—and your plan should work just as hard to protect your income as it does to grow it.
CEO & Managing Member
“We help clients replace market uncertainty with contractual certainty.” - Bill Coutts, CEO & Managing Member
Our Sales and Operations Team
GARRETT CUNDIFF
VP, Annuity
ERICA SCHNEIDER
VP, Life Insurance
MATHIAS BURKE
Annuity Strategies
SYDNEY CRANE
Operations - Annuity
SHERRY MORAN
Operations - Life
CHRISTINA FRAZIER
Operations Assistant
“When your income is protected, the rest of your plan becomes simpler.” - Bill Coutts, CEO & Managing Member
What We Do
Safe Growth Strategies
At The Coutts Group, we specialize in safe money strategies designed to help clients protect their retirement savings while creating dependable, long-term income.
These strategies are built for people who want growth without market risk, income they can rely on, and greater control over their financial future.
Our safe growth solutions are designed to participate in market-linked growth while eliminating downside risk. Your principal is protected from market losses, so gains can be locked in during positive years—without giving them back during downturns.
We utilize insurance-based financial strategies that offer contractual guarantees, not assumptions. These guarantees can include:
- Protection of principal
- Guaranteed lifetime income options
- Predictable growth formulas
- Built-in safeguards against market volatility
Unlike market-based investments, these guarantees are backed by the financial strength of highly rated insurance companies.
Guaranteed Lifetime Income
Safe money strategies are designed to convert savings into reliable income streams that are not dependent on market performance. This allows clients to plan retirement with greater confidence, knowing their income is built on certainty rather than speculation.
A More Predictable Retirement Plan
By reducing exposure to market risk, safe money strategies help create:
- More consistent income
- Fewer emotional decisions
- Greater peace of mind during market cycles
Unlike market-based income strategies, guaranteed income solutions are built on contractual guarantees provided by highly rated insurance companies—not market assumptions.
Depending on the strategy, these guarantees may include:
- Lifetime income options
- Predictable income payments
- Protection from market downturns
Income stability even during periods of volatility
Our role is to help you determine how much risk is necessary—and how much risk is unnecessary—so your retirement plan is built for stability, not stress.
Roth Conversion Planning
A Roth conversion can be a powerful planning tool—but only when it is done intentionally, strategically, and in coordination with the rest of your retirement plan.
At The Coutts Group, we help clients evaluate whether converting a portion of their traditional retirement accounts to a Roth makes sense based on their income, tax exposure, and long-term retirement goals.
A Roth conversion allows you to:
- Pay taxes on your terms
- Reduce future required minimum distributions (RMDs)
- Create tax-free income potential in retirement
- Improve tax diversification across accounts
A Measured, Step-by-Step Approach
Roth conversions are not an all-or-nothing decision. We focus on partial, multi-year strategies designed to manage tax brackets, avoid unnecessary tax spikes, and coordinate with other income sources.
Every conversion strategy is evaluated in the context of:
- Current and projected tax brackets
- Retirement income needs
- Social Security and Medicare considerations
- Legacy and estate planning goals
What Our Clients Say
★★★★★
“We weren’t trying to beat the market—we just didn’t want to lose what we had worked so hard to save. Bill took the time to explain safe growth options and insurance-backed strategies in a way that actually made sense. We now have protection in place and a plan we understand, which has taken a lot of stress off our shoulders.”
- Roger, Age 58
★★★★★
“Before working with The Coutts Group, we felt uncertain about how long our money would last and nervous every time the market dropped. Bill helped us reorganize our plan around safety and dependable income. Today, we feel more confident knowing a portion of our retirement is protected and our income is predictable. That peace of mind has made a real difference for us.”
- Mark and Emily, Ages 62 & 64
★★★★★
“What stood out was how focused Bill was on income, not products. He helped us design a retirement paycheck using guaranteed income strategies so we’re not constantly worrying about withdrawals or market swings. Everything was explained clearly, and there was never any pressure—just thoughtful guidance.”
- Amir, Age 67
“Our focus is to provide less risk, more clarity, and safer options for our clients.” - Bill Coutts, CEO & Managing Member
Would You Like to Schedule a Strategy Session?
Click below to send me a message.