RETIREMENT PLANNING

THAT KEEPS YOUR MONEY SAFE

Guaranteed Fixed Returns
Guaranteed Monthly Income Streams

We also provide Insurance:
Life, Annuities, Disability, Long-Term Care, Health, & Medicare

WHY CHOOSE Off Wall Street

for your retirEment income planning

Off Wall Street distinguishes itself as the premier agency for retirement income planning, with advisor Troy Hagen, a distinguished Retirement Income Certified Professional (RICP®). Hagen’s RICP® certification signifies a profound understanding of retirement income intricacies and an unwavering dedication to upholding the highest standards of professionalism, ethics, and best interest practices.

Off Wall Street prioritizes fixed returns to ensure sustained income streams throughout retirement. Unlike traditional financial advisors who emphasize wealth accumulation, Off Wall Street is dedicated to protecting and preserving accumulated wealth during retirement and beyond. Opting for an RICP® like Troy Hagen provides access to a seasoned professional capable of crafting a retirement income strategy tailored to individual needs.

  • Crafting a comprehensive retirement income plan aligned with specific income needs.
  • Strategically navigating retirement risks, such as life expectancy uncertainties and economic fluctuations.
  • Maximizing Social Security benefits through informed decision-making.
  • Securing supplementary health insurance coverage to complement Medicare or bridge coverage gaps.
  • Preparing for late-life demands, including long-term care and addressing physical and cognitive decline.
  • Identifying avenues for optimizing the retirement plan through tax-efficient strategies and other financial vehicles.

When you entrust your retirement income planning to Off Wall Street, you can be confident that your financial future is in good hands, supported by an unwavering commitment to client success. Take the first step toward a secure and fulfilling retirement by partnering with Off Wall Street today.

We are

Safe Money People

At Off Wall Street, our goal isn’t solely about making you rich; it’s about ensuring your financial security. We often remind retirees, “You’ve won the game! Now, let’s ensure you continue to thrive in retirement.”

There’s no rule mandating we endure substantial losses of 20%, 30%, or 40% in the stock market. Yet, we’ve been conditioned to accept these losses as inevitable. While some advocate for a “buy and hold” strategy or a well-balanced portfolio, few are willing to guarantee it. Entrusting your retirement funds to market chance seems too risky.

As a Retirement Income Certified Professional, Troy understands the allure of chasing returns in the stock market. However, retirement planning shouldn’t hinge on stock market performance alone. Just as you’re advised not to risk more than you can afford to lose at the casino, the same caution applies to your retirement savings.

With Troy’s RICP certification and Josh’s CPIA designation, along with their extensive experience in various financial roles, they possess the expertise to guide clients towards financial security and success. Their commitment to ongoing education ensures they provide tailored advice, whether in retirement income planning, risk management, or investment strategies, empowering clients to navigate financial complexities with confidence.

We’ve adopted a different approach focused on managing your money for retirement income. Our indexing and laddering strategy shields your hard-earned money from market volatility, ensuring your lifestyle remains unaffected regardless of market fluctuations. This security is vital for retirees relying solely on their savings to sustain them.

The Baby Boomer Dilemma

A groundbreaking documentary

An expose of America’s retirement experiment that takes a deep dive into Pensions (both corporate and public), Social Security, and the 401(k). It features the nation’s top economists on retirement and retirement income including Nobel Prize-winning economists, and world-renowned economists from MIT, Stanford, Wharton, Berkely, York, and BYU. View The Baby Boomer Dilemma Official Trailer (also below).


retirement planning tips

click these videos and get the inside scoop

Compounding Interest Interrupters

Compounding interest can do great things for your savings. Learn what can interrupt stock market gains.

Inflation Is A Retirement Killer

Inflation can erode purchasing power to the point where someone wakes up and can’t live the lifestyle they once did.

Why Taxes Will Go Up

Why we believe taxes will need to go up drastically.

Major Tax Crisis Lurking

Why our country’s former Comptroller General; CPA of the USA; believes that a tax crisis is looming and a possible solution.

ARE YOU FINANCIALLY READY?

How financially ready are you for retirement? Take our quiz.

Risks That Can Impact

Your Retirement dollars

Market Risk

Just one 20% – 30% stock market crash can hurt your account balances and can cause you to run out of money years sooner.

Tax Risk

Certified Public Accountant and Tax Expert Ed Slott says “Taxes are a larger risk than market crashes.” If all your retirement income is in qualified plans like IRA’s and 401(k)’s that require you to pay taxes when you take the money out, you have a huge future tax liability.

Health Care Risk

Statistically, long-term health care costs can be a person’s largest retirement expense. Have you done anything to protect your savings and your family from being drained by this expense?

Income Depletion Risk

Will your retirement savings give you enough income to provide the retirement lifestyle you want, for as long as you live? Most have no idea.

Untimely Death Risk

Accidents and untimely deaths are always unplanned. The plans you put in place now can prevent some of the stress and financial burdens that would otherwise be placed on your closest loved ones.

Longevity Risk

Longevity is the great Risk Multiplier. Hopefully you will live a long and prosperous life, but longer life spans multiply the likelihood of each of these risks happening to you.


contact Off wall street to eliminate financial uncertainty

Josh and Troy can help you eliminate financial uncertainty and protect your saving from potential threats. It’s time to transition your hard-earned money into future retirement income streams while financing your current lifestyle. Schedule Your Personal Financial Coaching Session Today, call us at 877-814-2323.

ARE YOU IN THE

RETIREMENT RED ZONE?

The retirement red zone is the 5 years both before and after retirement; the most critical time to avoid losing money. Our strategy is a safer investing alternative that can help you stop worrying about market crashes and avoid losing retirement money.


we create

FINANCIAL PLANS THAT…

REDUCE FINANCIAL STRESS with a retirement plan that isn’t subject to stock market losses

Make sure your living expenses are paid for with GUARANTEED INCOME for life

Create a TAX-FREE RETIREMENT cash flow

PROTECT YOUR ASSETS
from risk and stock market crashes while GROWING YOUR WEALTH

Leave a TAX-ADVANTAGED LEGACY

Put you in a financial position to DO MORE OF THE THINGS YOU LOVE

Schedule your PERSONAL FINANCIAL COACHING session today.

ATTENTION BUSINESS OWNERS

We create Pensions

If you are a business owner:

• Would you like to receive/provide an income stream in retirement that cannot be outlived?

• Are you interested in reducing your tax liability?

• Do you want to increase your individual annual funding amount of $69,000?

• Would you like to attract and retain valuable employees?

If you answered YES to any of the above, let’s set up a meeting to discuss your options at
877-814-2323.

Our Mission

Is To Serve You

At Off Wall Street, we seek to understand our clients’ unique goals and help you facilitate a fulfilling and meaningful retirement. We utilize sound, proven financial strategies that give you peace of mind knowing your money is protected today and into the future.

How we will help you:

Transition your hard-earned savings into future retirement income streams you cannot outlive

Eliminate financial uncertainty–protecting your savings from potential threats associated with stock market crashes, taxes, inflation, and long-term care scenarios

Develop debt-elimination strategies to accelerate paying down existing debt while simultaneously building wealth

Provide a method for building generational wealth for transfer to future generations

Build wealth for retirement, pay down debt, and finance your current lifestyle all at the same time (even if retirement is not near)

GUIDED BY THE GOLDEN RULE

Treat Others

The Way You Want To Be Treated

MEET JOSH

Josh grew up in a log home in rural southwestern WI, in a family of four. From this loving family, he learned the lesson that he keeps foremost in his life: Treat others the way you would like to be treated.

Josh embarked on his insurance career in 2002. Today, as a business owner and Certified Professional Insurance Agent (CPIA), he specializes in individual and business products tailored for retirement income planning in Wisconsin and Illinois.

Outside of work, Josh, his wife, and their two daughters revel in outdoor activities like tending to their chickens, hiking, running, biking, and kayaking. He also enjoys hunting, fishing, cheering on the Milwaukee Brewers and Wisconsin Badgers, and attending Summerfest music concerts.

Email Josh Call Josh

Supporting Valued Causes and

Community Involvement

Josh and Troy each consider community involvement and supporting valued causes to be fundamental parts of their lives. 

We at Off Wall Street, LLC are proudly located in the historic Veterans of Foreign War (VFW) building in Elkhorn, WI. Agents Josh Troxel and Troy Hagen appreciate the opportunity to work with and honor our country’s veterans every day. As they work to build relationships with clients in and around Elkhorn, they also strive to find ways to serve neighbors and contribute to the community.

Josh and his family support and contribute to JDRF (leader in funding diabetes research) and to Hope Grows International (Christians teaching sustainable farming in poor countries). They are also active members of St. Patrick’s Catholic Church.

Troy dedicates time as a swim coach at his local high school and has served as a board member of his church and local basketball club. He and his family are committed members of Peace Lutheran Church and School.

Unique Planning Strategies

Grounded Family Man

Meet Troy

Troy was raised in a family of four in Janesville, WI and cherishes childhood memories of riding with his dad to look at cars or boats.

Troy’s career journey started on a trading desk with a dotcom in Minneapolis, MN. His path led him through various roles within insurance companies and financial advisory offices. Today, as a Retirement Income Certified Professional (RICP), he implements unique planning strategies for his clients.

Troy cherishes time with his wife and three children, often spent boating or gathered around a campfire. Fitness and health are core values in his household. Additionally, they share a passion for cheering on teams like the Packers, the Badgers, or the Brewers.

Email Troy Call Troy

Keep Your Money Safe

off wall street

Schedule Your Personal Financial Coaching Session with Josh and Troy to Discover How to:

Grow your wealth, without losing it in Wall Street

Protect yourself from the ravages of the tax man

Participate in potential double-digit gains when the market goes up without risk of crashes

Build a cash flow that you can enjoy during retirement

The Wise Man

Built His House on a Rock

“The wise man built his house upon a rock: and when the rains and the floods came, it fell not. The foolish man built his house upon the sand: and when the rains and the floods and the winds came, it fell. And great was the fall of it.” – Matthew 7:24-27

The wise man built his financial foundation on the rock. The foolish man builds on the sands of risk. When the economic storms come, will your financial future be built on a rock?

The Rock

Tax advantages
Protection against market losses
Consistent growth
Insurance and Annuities

The Sand

The stock market roller coaster
Market hype and speculation
Increasing taxes
Principal at risk

Build Your Financial Future On A Rock

Contact Josh and Troy to Discover How

Let our team help you develop a strategic plan to fit your retirement needs.

Josh Troxel, CPIA®
troy D. Hagen, RICP