Roz Kovel
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Enjoy a worry free retirement

X-It Strategies, Inc.

Roz Kovel, President of X-It Strategie​s, Inc., is the Author of the #1 National Best-Seller 
​"Don't Gamble With Your Retirement". Click here for more information!

About us
click here for your FREE retirement income report!
Welcome To X-It Strategies
Watch the video below and "get to know me"!
Picture
Reduce Your Financial Risk In Retirement
Watch Our Video To Learn More
Picture
We are as concerned for your health as we are about keeping your money safe!
Our office is cleaned thoroughly after every appointment...
Just let us know if we can provide you with a personal mask and hand sanitizer.
 

About Us

Picture
Picture
Roz Kovel
President and Author of the #1 National Best-Seller Don’t Gamble With Your Retirement
Roz Kovel, founder and President of X-It Strategies, Inc., is a retirement specialist who has helped clients with their financial planning needs since 2002.  Roz is passionate about providing financial education to the people she serves.  Because of her own previous lack of knowledge and information about finances, she experienced tremendous losses when personal and investment crises happened.  As a result, she is committed to making sure her clients have all the information they need to make informed decisions about their money. 
 
Prior to becoming a financial advisor, Roz was a wellness consultant to corporations and individuals, offering programs in fitness, nutrition, smoking cessation, and stress management.  She applies her previous experience in the wellness industry to her financial education and planning business, assuring that all of her clients achieve financial wellness.
 
Roz specializes in income planning with an emphasis on safe-money strategies.  One of the most rewarding parts of Roz’s career is helping people get the most out of their hard-earned Social Security benefits.  She enjoys hosting educational workshops that cover all the components necessary to put a successful retirement income plan in place.
 
Roz holds a Bachelors of Arts Degree in Psychology from the University of Illinois/Champaign, and a Masters of Arts Degree in Behavior Modification from the University of Kansas.
 
When she is not working, Roz loves seeing movies on the big screen, she’s an avid reader, and she spends time with her grandchildren learning about that generation’s interests (screen time!).  She is also in the process of training her year-and-a-half-old Golden Retriever, Spencer, to become a therapy dog.  
Picture
Picture
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Darrin McComas
Abraham & Company's Chief Investment Officer
READ MORE ABOUT ME
Steve Gibson
Certified Annuity Specialist
READ MORE ABOUT ME
Susan Nustra
Director of Marketing
READ MORE ABOUT ME
Bryan McDonald
Director of Operations and Client Support
READ MORE ABOUT ME
Heather Schreiber
Founder of HLS Retirement Consulting, LLC
READ MORE ABOUT ME
Scott Soares
Life Case Specialist
READ MORE ABOUT ME
 
What We Offer
Retirement income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. After all, with the fact that we’re all living longer combined with advanced medical science and technology, it’s very probable that people who are retiring today could spend 30 years or more living in retirement without earned income and only from social security and investments to support them. That’s a scary and very realistic thought.

That’s why we make income planning our top priority at our firm.  We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.
​
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
Asset protection
You’ve spent the last 40 years, or longer, in the accumulation phase of planning your retirement. Now it’s time to switch gears and focus on the preservationof your retirement assets. But it doesn’t mean that growth has to stop. In fact, that’s one of the ways we help our clients the most, by helping them receive a reasonable rate of return throughout their retirement years. The difference is, we do it without loss, guaranteed!

Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!

We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.

Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
​
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!
Estate maximization
Many of our clients are the ones with the bumper sticker on the back of their RV that says, “We’re spending our kids’ inheritance,” but for many others, their goal is to leave a legacy for their children and grandchildren. That means determining (while you’re still alive) where your assets should go after you die, along with a thorough evaluation of potential tax liabilities, probate avoidance and opportunities to leverage the value of your estate using the most recent estate planning tools.

Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis.

Contact our office today to schedule a one-on-one estate planning consultation.
Qualified plan rollovers
Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.

Here are four things you can do with the money in your employer sponsored retirement plan:
  • Leave the money where it is
  • Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
  • Transfer the money to another employer-sponsored plan (if the plan allows)
  • Roll the money over to a self-directed IRA

Let us help you determine if a rollover is the right move for you!
 
Don't Gamble With Your Retirement
By: Roz Kovel and Shon Peil
Picture

Don't Gamble With Your Retirement
By: Roz Kovel and Shon Peil

​In Don’t Gamble With Your Retirement, authors Roz Kovel and Shon Peil explain in simple language and real stories how to eliminate the confusion of planning for your retirement through a simple-to-understand plan that makes sense. Each chapter focuses on one of the primary areas you need to address in order to have a safe and secure future.

By addressing each area properly, you’ll be able to create for yourself what they call a Retirement Shield so you Don’t Gamble With Your Retirement. Inside you’ll learn about these five important areas that comprise a Retirement Shield:
  • Social Security - when to take it and how to increase it
  • Income for Life - how to continue receiving a paycheck in retirement
  • Taxes - what to do to lower or eliminate them altogether
  • Long-term Care - why this is so critical and how to pay for it
  • The “What If” scenarios of life - where you should look to avoid dangerous circumstances

​You’ll also hear from people like you who have created their own Retirement Shield to protect their income, provide for their health, and prepare them to enjoy the rest of their life without worry or concern. Retirement should be the best years of your life. Make this true for yourself by reading and applying what you learn in Don’t Gamble With Your Retirement.
Picture
Picture
Picture
Picture

Registration Form

Please fill in the form below.

 
Podcast
With: Roz Kovel
Picture

Episode 1: Get to Know Roz Kovel

Listen Below for the Audio Version of this Episode: ​

Episode 2: ​Why You Need a Retirement Shield ​to Protect Your Future

Listen Below for the Audio Version of this Episode: ​

Episode 3: ​How to Claim Your Social Security Benefits ​for Maximum Income

Listen Below for the Audio Version of this Episode: 

Episode 4: ​The Income Shield:
​How To Avoid Income Mistakes

Listen Below for the Audio Version of this Episode: 

Episode 5: ​The Tax Shield: The Most Significant Time Bomb for Retirement

Listen Below for the Audio Version of this Episode: 

Episode 6: ​The Long Term Care Shield: Will You Need Long Term Care? 70% of People Will 

Listen Below for the Audio Version of this Episode: 

Episode 7: ​The What If's When it Comes to Life After Development

Listen Below for the Audio Version of this Episode: 

Episode 8: ​Your Retirement Shield

 
Yes! I want my free report and book. 

Get in Touch With Us

Please give us your contact information and we’ll be happy to reach out to you.
Fill out the form below for your FREE report and book.

Registration Form

Please fill in the form below.

Request Your FREE Copy of the #1 National
Best-Seller Don't Gamble With Your Retirement.
Click Here for more information.

X-It Strategies, Inc.

250 N. Park Street
Westmont, IL 60559

​
Email: rkovel@x-itstrategies.com
​Office:
(630) 852-8900

Mobile (Call or text): (630) 709-8989
The information provided herein is the exclusive property of X-It Strategies, Inc. This material has been prepared for informational and educational purposes only. It is not intended to provide nor should be relied upon for accounting, legal, tax, or investment advice.
© 2019. X-It Strategies, Inc. 
Email: rkovel@x-itstrategies.com
Office: (630) 852-8900

Mobile: (630) 709-8989
  • Home
  • About Us
  • Services
  • Book
  • Podcast
  • Contact Us
Welcome To X-It Strategies
Watch the video below and "get to know me"!
Picture
Reduce Your Financial Risk In Retirement
Watch Our Video To Learn More
Picture
We are as concerned for your health as we are about keeping your money safe!
Our office is cleaned thoroughly after every appointment...
Just let us know if we can provide you with a personal mask and hand sanitizer.
 

About Us

Picture
Picture
Roz Kovel
President and Author of the #1 National Best-Seller Don’t Gamble With Your Retirement
Roz Kovel, founder and President of X-It Strategies, Inc., is a retirement specialist who has helped clients with their financial planning needs since 2002.  Roz is passionate about providing financial education to the people she serves.  Because of her own previous lack of knowledge and information about finances, she experienced tremendous losses when personal and investment crises happened.  As a result, she is committed to making sure her clients have all the information they need to make informed decisions about their money. 
 
Prior to becoming a financial advisor, Roz was a wellness consultant to corporations and individuals, offering programs in fitness, nutrition, smoking cessation, and stress management.  She applies her previous experience in the wellness industry to her financial education and planning business, assuring that all of her clients achieve financial wellness.
 
Roz specializes in income planning with an emphasis on safe-money strategies.  One of the most rewarding parts of Roz’s career is helping people get the most out of their hard-earned Social Security benefits.  She enjoys hosting educational workshops that cover all the components necessary to put a successful retirement income plan in place.
 
Roz holds a Bachelors of Arts Degree in Psychology from the University of Illinois/Champaign, and a Masters of Arts Degree in Behavior Modification from the University of Kansas.
 
When she is not working, Roz loves seeing movies on the big screen, she’s an avid reader, and she spends time with her grandchildren learning about that generation’s interests (screen time!).  She is also in the process of training her year-and-a-half-old Golden Retriever, Spencer, to become a therapy dog.  
Picture
Picture
Picture

Darrin McComas
Abraham & Company's Chief Investment Officer
READ MORE ABOUT ME
Steve Gibson
Certified Annuity Specialist
READ MORE ABOUT ME
Susan Nustra
Director of Marketing
READ MORE ABOUT ME
Bryan McDonald
Director of Operations and Client Support
READ MORE ABOUT ME
Heather Schreiber
Founder of HLS Retirement Consulting, LLC
READ MORE ABOUT ME
Scott Soares
Life Case Specialist
READ MORE ABOUT ME
 
What We Offer
Retirement income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. After all, with the fact that we’re all living longer combined with advanced medical science and technology, it’s very probable that people who are retiring today could spend 30 years or more living in retirement without earned income and only from social security and investments to support them. That’s a scary and very realistic thought.

That’s why we make income planning our top priority at our firm.  We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.
​
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
Asset protection
You’ve spent the last 40 years, or longer, in the accumulation phase of planning your retirement. Now it’s time to switch gears and focus on the preservationof your retirement assets. But it doesn’t mean that growth has to stop. In fact, that’s one of the ways we help our clients the most, by helping them receive a reasonable rate of return throughout their retirement years. The difference is, we do it without loss, guaranteed!

Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!

We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.

Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
​
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!
Estate maximization
Many of our clients are the ones with the bumper sticker on the back of their RV that says, “We’re spending our kids’ inheritance,” but for many others, their goal is to leave a legacy for their children and grandchildren. That means determining (while you’re still alive) where your assets should go after you die, along with a thorough evaluation of potential tax liabilities, probate avoidance and opportunities to leverage the value of your estate using the most recent estate planning tools.

Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis.

Contact our office today to schedule a one-on-one estate planning consultation.
Qualified plan rollovers
Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.

Here are four things you can do with the money in your employer sponsored retirement plan:
  • Leave the money where it is
  • Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
  • Transfer the money to another employer-sponsored plan (if the plan allows)
  • Roll the money over to a self-directed IRA

Let us help you determine if a rollover is the right move for you!
 
Don't Gamble With Your Retirement
By: Roz Kovel and Shon Peil
Picture

Don't Gamble With Your Retirement
By: Roz Kovel and Shon Peil

​In Don’t Gamble With Your Retirement, authors Roz Kovel and Shon Peil explain in simple language and real stories how to eliminate the confusion of planning for your retirement through a simple-to-understand plan that makes sense. Each chapter focuses on one of the primary areas you need to address in order to have a safe and secure future.

By addressing each area properly, you’ll be able to create for yourself what they call a Retirement Shield so you Don’t Gamble With Your Retirement. Inside you’ll learn about these five important areas that comprise a Retirement Shield:
  • Social Security - when to take it and how to increase it
  • Income for Life - how to continue receiving a paycheck in retirement
  • Taxes - what to do to lower or eliminate them altogether
  • Long-term Care - why this is so critical and how to pay for it
  • The “What If” scenarios of life - where you should look to avoid dangerous circumstances

​You’ll also hear from people like you who have created their own Retirement Shield to protect their income, provide for their health, and prepare them to enjoy the rest of their life without worry or concern. Retirement should be the best years of your life. Make this true for yourself by reading and applying what you learn in Don’t Gamble With Your Retirement.
Picture
Picture
Picture
Picture

Registration Form

Please fill in the form below.

 
Podcast
With: Roz Kovel
Picture

Episode 1: Get to Know Roz Kovel

Listen Below for the Audio Version of this Episode: ​

Episode 2: ​Why You Need a Retirement Shield ​to Protect Your Future

Listen Below for the Audio Version of this Episode: ​

Episode 3: ​How to Claim Your Social Security Benefits ​for Maximum Income

Listen Below for the Audio Version of this Episode: 

Episode 4: ​The Income Shield:
​How To Avoid Income Mistakes

Listen Below for the Audio Version of this Episode: 

Episode 5: ​The Tax Shield: The Most Significant Time Bomb for Retirement

Listen Below for the Audio Version of this Episode: 

Episode 6: ​The Long Term Care Shield: Will You Need Long Term Care? 70% of People Will 

Listen Below for the Audio Version of this Episode: 

Episode 7: ​The What If's When it Comes to Life After Development

Listen Below for the Audio Version of this Episode: 

Episode 8: ​Your Retirement Shield

 
Yes! I want my free report and book. 

Get in Touch With Us

Please give us your contact information and we’ll be happy to reach out to you.
Fill out the form below for your FREE report and book.

Registration Form

Please fill in the form below.

Request Your FREE Copy of the #1 National
Best-Seller Don't Gamble With Your Retirement.
Click Here for more information.

X-It Strategies, Inc.

250 N. Park Street
Westmont, IL 60559

​
Email: rkovel@x-itstrategies.com
​Office:
(630) 852-8900

Mobile (Call or text): (630) 709-8989