RESO Your Finances combines Swiss precision with American innovation to deliver guaranteed retirement income and wealth protection strategies beyond traditional planning.
Vincent Emery stared at the retirement projections spread across his desk late one evening in 2019. After 25 years navigating Wall Street’s volatility, Silicon Valley’s boom-bust cycles, and Europe’s conservative pension systems, he confronted an unsettling reality: traditional American retirement planning was failing millions of hardworking families. The 4% withdrawal rule, once the gold standard, could no longer guarantee financial security in an era of market uncertainty and extended lifespans. That night, Emery made a decision that would reshape how Americans approach retirement planning.
As President of RESO Your Finances, Emery has built a Swiss-American wealth advisory firm that challenges conventional wisdom about retirement security. His mission extends far beyond traditional financial planning, transforming savings into predictable, tax-advantaged income while providing powerful tools to safeguard health, legacy, and loved ones.
The European Awakening
Emery’s unconventional approach stems from his deep exposure to European pension models during his quarter-century career spanning three continents. While American retirees often face the stark choice between market risk and inflation erosion, European systems demonstrated how strategic planning could deliver both growth and guaranteed income.
“I witnessed firsthand how Swiss and German pension strategies created retirement security that American models simply couldn’t match,” Emery explains. “The precision of European planning, combined with American innovation and flexibility, creates opportunities most advisors never explore.”
This cross-continental perspective became the foundation for RESO’s distinctive methodology. Rather than relying solely on volatile stock portfolios or low-yield bonds, the firm integrates Swiss-inspired payout strategies that often exceed the traditional 4% withdrawal rule while maintaining principal protection.
Breaking Through Industry Resistance
Launching RESO Your Finances required Emery to challenge deeply entrenched industry practices. Traditional wealth management firms profit from annual management fees, creating conflicts of interest that can erode client returns over decades. Emery took the radical step of eliminating these fees entirely, offering consultations at no cost.
“The industry pushes products, but families need plans,” Emery states. “When your advisor’s compensation isn’t tied to keeping your money under management, the conversation changes completely.”
This fee structure initially met skepticism from both clients and competitors. Prospects questioned how a firm could provide comprehensive planning without ongoing revenue streams. Competitors warned that fee-free models were unsustainable. Emery persisted, recognizing that transparency and alignment of interests would ultimately differentiate RESO in a crowded marketplace.
The Rollover Revolution
RESO’s breakthrough came through mastering the complexities of retirement account rollovers, a critical yet often misunderstood component of retirement planning. While most advisors focus on investment selection, Emery recognized that rollover timing and structure could dramatically impact long-term wealth accumulation.
The firm’s approach to in-service rollovers exemplifies this strategic thinking. For clients aged 59½ or older who remain employed, RESO can often facilitate partial transfers from restrictive 401(k) plans into IRAs with broader investment options and lower fees. This strategy provides immediate benefits while preserving employer match opportunities.
“A properly structured rollover can add decades of additional income to retirement,” Emery notes. “But it requires understanding tax implications, investment flexibility, and estate planning consequences that most advisors never consider.”
RESO’s rollover expertise extends beyond traditional IRAs. The firm specializes in Roth conversions, helping clients pay taxes upfront to secure tax-free future withdrawals, particularly valuable for those expecting higher tax brackets in retirement.
Swiss-American Integration
What truly distinguishes RESO is its integration of Swiss financial principles with American market opportunities. The firm’s advisors work with top-rated U.S. carriers, not just single companies, to construct comprehensive wealth protection strategies that consider clients’ entire financial pictures.
This holistic approach proved particularly valuable during the 2020 market turbulence. While many retirement portfolios suffered significant losses, RESO clients with Swiss-style guaranteed income components maintained financial stability regardless of market conditions.
The firm’s TrustPilot reviews reflect this performance, with clients consistently praising RESO’s ability to deliver security alongside growth potential.
Building a National Presence
From offices in Massachusetts, Texas, and Washington State, RESO Your Finances now serves clients nationwide. The firm’s growth reflects increasing recognition that traditional retirement planning models need fundamental restructuring for modern realities.
Emery’s team includes licensed experts rather than call centers or automated systems, ensuring personalized guidance for each client’s unique circumstances. Whether clients are newly married, raising families, running businesses, or approaching retirement, RESO’s comprehensive approach addresses life insurance, tax optimization, and legacy planning as integrated components of wealth strategy.
The firm maintains an active presence on LinkedIn, Facebook, and YouTube, sharing insights on retirement planning strategies and market analysis.
The Future of Retirement Security
Emery envisions RESO Your Finances as a catalyst for broader industry transformation. As more Americans recognize the limitations of traditional portfolio-based retirement planning, demand grows for integrated strategies that combine growth potential with guaranteed income.
“Retirement planning isn’t about accumulating assets, it’s about creating reliable income streams that last for life,” Emery emphasizes. “The Swiss figured this out decades ago. Americans are finally catching up.”
If your current retirement strategy relies entirely on market performance and hope, RESO Your Finances offers a different path, one built on Swiss precision, American opportunity, and the guarantee that your savings will work as hard for you in retirement as you did to earn them. Schedule a consultation today and discover how strategic planning can transform your financial future.
About RESO Your Finances
RESO Your Finances is a Swiss-American wealth advisory firm with offices in Massachusetts, Texas, and Washington State. Backed by over 25 years of experience across Wall Street, Silicon Valley, and European pension models, the firm specializes in helping individuals protect wealth and build guaranteed retirement income without traditional investment risks. Learn more at resoyourfinances.com, connect on LinkedIn, follow on Facebook, and watch insights on YouTube. Read client reviews on TrustPilot.
