The main program with mentoring can be completed over 5 weeks. There are 25 steps to progress through, some taking longer than others. It can also depend on how organised you already are with your own finances and how much you want to play with the various tools (which you get to keep forever). On average we'd recommend allowing about 5hrs per week to dedicate to the program, 2hrs of which are for mentoring calls. If you can't make a mentoring slot you can try to join an adjacent cohort if their is one or watch the recording and catch up. All together, the 25 steps comprise of a bout 7hrs worth of pure e-learning video content.

So on average:

2hrs scheduled mentoring call 
1.5hrs e-learning videos
1.5hrs applying the tools

35 yrs is based on the range we have seen so far from middle aged program participants. We are seeing most participants improve their retirement trajectory by 15-20 years. It used to be normal and accepted that one could live a good life and then also retire comfortably by the age of 67. More recently however, it has become harder for the average couple to keep up with expenses and put away savings. The money that they do save (pensions, property, savings accounts etc) is not earning as much as what it did for previous generations.

So it is not uncommon, to see someone in their early forties who's current trajectory would mean they would have to work until age 82 before they could afford a comfortable retirement.

This is because 1) they struggle to build up a nest egg and 2) once they have the nest egg it's invested in a traditional way that doesn't earn much, meaning it needs to be relatively large in value - hence taking longer to get there. 

With the Plan B process, essentially 2 things are happening for participants: They learn how to move responsibly faster towards the goal whilst actually pulling the goal closer to them. This means 1) participants improve how hard their money is working for them (not necessarily investing more) by constructing a better portfolio which moves them faster towards achieving their nest egg, and 2) develop their investing knowledge so that when retirement starts, their eventual nest egg will be able to operate more efficiently, meaning it doesn't need to be as large as previously anticipated!

To make this happen, we explore how each individual can leverage any of the 6 levers. Certainly, the younger you begin and the more capital you start with, the bigger the effect and we may well see savings reach 45 or 55 years!    

If I could go back and talk to my younger 22 year old self, I'd probably tell him he had to invest 15% of his net income, into a mix of low cost passive index funds, regardless. That would virtually guarantee him to retire comfortably at some point in his fifties and enjoy his golden years with out any concerns! But most of us did not get that advice or we did not adhere to it. Even if we got better than average paying jobs, or created successful businesses, or inherited money, did we at some point put enough extra to one side to catch up?

Unfortunately, most of us did not and even with the money we did put aside, it is not working hard enough for us (most pensions and mutual funds are earning 4.6% instead of 10% in passive index funds). So many of us face (or choose not to face) this real dilemma of not having enough to sufficiently support ourselves when we stop working. If we can ever retire, we are in danger of retiring poor and we are running out of time - tick tock, tick tock! I find this a catastrophe. We work hard all our lives, trying to do the right things, but we never managed to make money work for us. But did we ever truly try to learn? Or did we neglect that area of our lives, repeatedly pushing it to one side and ignoring it? Or did we rely on someone else to make those decisions for us without us fully understanding them? 

It's only when we have a sudden appreciation for the time we have on this planet (perhaps from a terminal diagnosis or from receiving a windfall when we can consider quitting working for money) that we step back and ask: "Do I need to continue working for money? Can I do something else with my time?" Wouldn't it be nice to be able to ask those questions earlier rather than later? Why not make a Plan to get to that point?  What if your money was working much harder for you? Would that get you there faster and potentially give you the choice to retire earlier and may be even richer? 

Only at 30 did I start to think like this and learn what methods could get me there. Before 40, my wife and I retired early to enjoy our 3 kids and spend time on passion projects rather than "trading time for money".

I think it's only fair that anyone who wants to, as early on in life as possible, gets to see a clear path as to when they would no longer need to work for money.

Investing is not investing. Their are thousands of ways to invest. A tip or a strategy that works for your buddy probably is not the right one that works long term for you. I view this program as gaining a helicopter view of how investing can relate to your life now and in the future. I wish I had it before I started investing as it would have saved me millions of euros in losses and all the associated pain! We go broad so that you can go narrow. We filter out the noise so you can focus on the signal. We cover 25 critical steps that take you on your journey from your current status quo to having a desirable, viable and feasible plan that you can implement and adjust to get you to where you want to be. It's about taking some responsibility of your own financial life now so that you can later pull in the right experts and ask them the right questions.

Everyone is on a retirement trajectory whether they want to realise it or not. One day, we will have no choice but to stop working, even if we don't want to. So we all need a nest egg. Some of us want it earlier before others. For some of us it needs to be bigger. That's completely your choice and this program is about figuring out how to design and adjust the retirement trajectory that works for you.   

As an independent mentor, I am completely neutral and have no motivation to prefer certain assets or strategies or timelines. I'm an expert in building plans around unknown variables. It's about gaining awareness around what this investment game is all about and then you choosing how it might be best for you to play that game. Once you have your Plan, you'll know what you need to learn next.     

From the millions of new business ideas that get planned, it has been proven over time that those plans tend to either succeed or fail depending on how well the underlying assumptions of desirability, viability and feasibility are proven to be true or untrue. All 3 are woven into the backbone of the Plan B Transformation Program to ensure we are stacking the odds in your favour. 

1) Desirable: Do I want it?
Understand the different levels of retirement you could achieve compared to your current trajectory. Calculate the investment returns you need to achieve the nest egg size you desire. Learn about alternative assets that make your money work harder and identify which mix could work for you. Make your plan desirable by choosing the game you want to play!  

2) Viable: Is it possible?
Determine the best way for you to play the game by first understanding your relationship to money. Then filter and select the right strategies that will help you to de-risk investing after considering your own costs and revenues. By personalising strategies your plan can become viable.

3) Feasible: Can I do it?
Ensure your plan is feasible by understanding the effort required to execute your chosen strategies, varying between passive and active. Are you willing and capable of doing the key activities and using the key resources and partners your strategy requires? With a bit of extra effort most of us are capable of achieving much more.

After signing up you will receive immediate access to the program materials in our online platform hosted by Learnworlds. At the check out, create a username and password or use FB, LI or Google etc. If your program includes scheduled mentoring sessions (about 2hrs), we will email you promptly the Zoom link to attend or if you purchased the Concierge option, we will directly plan and schedule your private Zoom meetings. We recommend you follow the 25 steps in order and complete the necessary steps before the various mentoring sessions. 

You don't need to invest anything at any time. This is about investing into your education and preparing yourself to make some solid decisions once the right opportunities for you arise. 

Plan B is the brand name for investing related educational content owned by Jan Kennedy and his wife Wen Xin Seow under Kennedy Holdings GmbH registered in Mammendorf, outside Munich in Germany. Jan's personal investing strategy covers startups, growth stocks, property, crypto and funds.

No. This program will help you to be in a better position to advise yourself or to seek out the right kind of advice in a targeted fashion. 

We stand by the results of the Plan B Transformation Program. If after completing the full program you haven’t brought your potential retirement age forward by at least 7 years, you’re entitled to a full refund.

The program offers various tools where you can input financial information. If you have mentoring sessions as part of your program, these tools should be shared and made visible to Jan (your mentor). Naturally, we treat anything you share with us as confidential and therefore we have also pre-signed a mutual NDA (non disclosure agreement) you can also download, sign and send back to us. TO DOWNLOAD CLICK HERE.

During shared mentoring sessions, it has proven to be very beneficial for participants to share their scenarios but it is up to you how much exact financial info you share. It is not entirely necessary to share figures of exact amounts, but rather your thought process around potential strategies and scenarios as a result of using the various tools from the program. 

Yes you will receive immediately an official invoice / receipt with VAT number. At check out you can even pay as a business and enter your VAT number so that the VAT may be eliminated. We add country specific VAT as relevant depending on which country you are from. Keep the receipt safe and try to use it to claim back from your own taxes for personal educational expenses or see if you employer will reimburse the cost for you.