The retirement crisis nobody is talking about
The Median Black Family Reaches Retirement With $29,000 Saved. That Is Not a Plan. It Is a Countdown.
Nearly half of Black Americans have nothing saved for retirement, and Social Security replaces only about 40% of your income. The Black Retirement Summit gives you the exact blueprint to fix it — before the clock runs out.
Overall attendee rating
Speaker quality rated 4.93/5
Net Promoter Score
47 promoters · 0 detractors
Retirement knowledge after
Up from 2.76 before the summit
Felt confident after
Only 2% felt confident before
Source: post-summit attendee survey, 55 responses.
Who this is for
This summit was built for you if…
Our attendees were 49% ages 55–64, 65% women, 62% working full time — real people with real responsibilities who needed structure, not sales pitches.
You have worked hard for 20, 30, 40 years
and you still lie awake wondering whether it will be enough when the paychecks stop.
You have saved “something”
but nobody has ever shown you the actual number you need — or how to get there from where you stand today.
You do not trust the advisor industry
29% of our attendees said the same. 25% said they cannot afford one. You want the rules explained in plain English, by someone who looks like you.
You are 45 to 70
approaching retirement or already in it, and you know the next few decisions are the most expensive ones of your life.
You want to protect your family
leave something behind, and never become a financial burden on your children.
If you nodded at even one of these, keep reading.
The next 5 minutes could reshape the next 30 years.
The transformation
From “big hairy monster” to a game plan you can follow
This is what actually changed for the people who sat through these four sessions. Measured, not promised.
Before the summit
- Anxious every time retirement comes up — 38% of attendees felt this way
- No idea what “your number” actually is
- Guessing about when to claim Social Security
- Savings sitting still while inflation, taxes and healthcare quietly eat them
- No estate plan; family unprotected
- Plan confidence: 2.82 out of 5
After the summit
- Confident and clear — 42% left confident (vs 2% before); anxiety fell to 7%
- Your exact retirement number, calculated
- A Social Security claiming decision you can defend
- Five income engines working together so you never outlive your money
- An estate-planning starter checklist completed
- Retirement knowledge: 4.22 out of 5 (up from 2.76)
The crisis no one talks about
The gap is not your fault. Closing it is your responsibility.
These numbers are not meant to shame anyone. They are meant to end the silence — because you cannot fix what nobody will name.
Median retirement savings, Black households nearing retirement
$0K
vs. white households
$0K
Black Americans with zero retirement savings
Nearly 0%
Half of us are one layoff, one diagnosis, or one market drop from having nothing to fall back on.
Share of income Social Security replaces
~0%
The other 60% has to come from somewhere. The summit shows you exactly where.
Nobody taught us the rules.
We were taught to work hard, be loyal, and save “something.” We were never handed the mechanics: how retirement income actually works, how taxes quietly drain your withdrawals, or how one Social Security claiming decision can be worth hundreds of thousands of dollars over a lifetime. Every year you wait to learn this, the gap costs you more. The summit hands you the rulebook — in plain English — in a single weekend of sessions you can replay forever.
The four-session blueprint
What you will learn, session by session
Attendees rated the content 4.87/5 and topic relevance 4.87/5. Here is why.
Session 01
The Retirement Reality Check
Uncover your blind spots and the four silent wealth killers — inflation, healthcare costs, taxes and longevity — before they uncover you.
You will know exactly where you stand today.
Session 02
Know Your Number
Calculate the exact dollar figure you need to retire with confidence — not a guess, not a rule of thumb, your number.
You will leave with a specific target.
Session 03
Building Your Retirement Income Machine
Master the five engines of retirement income: Social Security, account withdrawals, dividends, real estate and business income.
You will see how the money keeps coming in.
Session 04
Your Retirement Game Plan
Convert everything into a prioritized action sequence with specific moves for your timeline — whether retirement is 15 years away or already here.
You will know what to do first, second and third.
Find your starting point
Wherever you are, there is a specific path for you
Session 4 converts the blueprint into moves for your timeline. Find yourself below.
Ages 45–54
The Catch-Up Planner
You still have the most powerful asset in retirement planning: time. The summit shows you how to use catch-up years aggressively, fix the tax structure of your savings now, and set up income engines that compound before you need them.
- Know Your Number early
- Tax-smart account structure
- Build engines 2–5 while still earning
Ages 55–62
The Final Approach
This is where the biggest, most irreversible decisions get made — and where 49% of our attendees were. Learn the Social Security claiming math, the healthcare bridge before Medicare, and the withdrawal sequence that protects what you built.
- Social Security timing strategy
- Healthcare-cost bridge plan
- Withdrawal order that minimizes taxes
Ages 63+
The Income Optimizer
You are at or in retirement. Now the game is making the money last, keeping more of it away from the IRS, and making sure it transfers cleanly to the people you love.
- Longevity-proof income plan
- Tax-smart withdrawals and RMDs
- Estate-planning starter checklist
What you receive when you enroll
Everything you need to build the plan — and nothing you don’t
Not just recordings. The worksheets, calculators and checklists to actually do the work.
Lifetime replay access
All four sessions, on any device, forever. Rewatch before every major decision.
Downloadable slide decks
Every session’s slides so you never have to take frantic notes.
Retirement Readiness Worksheet
Find your blind spots in 20 minutes.
Know Your Number Calculator
The exact figure you need — personalized to your life.
Social Security Decision Checklist
Stop guessing about the six-figure claiming decision.
Tax-Smart Withdrawal Guide
Keep more of your money away from the IRS in retirement.
Estate Planning Starter Checklist
Protect your family and pass wealth on cleanly.
30-day money-back guarantee
Watch everything. If it does not deliver, get every dollar back.
What attendees said
An 85 Net Promoter Score. Zero detractors.
55 attendees answered the post-summit survey. 47 were promoters. Not one person said they would not recommend it. Here is what they told us, in their own words.
“The summit came at exactly the right time for me. It helped shift my thinking from simply asking, “Can I afford to retire?” to thinking more intentionally about, “How do I create the retirement and financial future I actually want?” I feel more confident that retirement does not have to mean the end of wealth building. It can be the beginning of a new phase where I am more strategic about my income, investments, taxes, and the assets I have worked so hard to build. Most importantly, the summit reinforced that I need a clear plan, not just a retirement date.”
— Katherine Burse
Lifetime access pricing
Attendees paid $249. You pay $99.
The live weekend is over, but the sessions were recorded in full. The discount is applied automatically at checkout — there is nothing to enter.
Original live ticket
$249
Lifetime access today
$0
One payment. No subscription. Yours forever.
Perspective: a single Social Security timing mistake can cost tens of thousands of dollars. This costs less than one dinner out for two.
Everything included:
- All 4 summit sessions — lifetime replay access
- Downloadable slide decks for every session
- Retirement Readiness Worksheet
- Know Your Number Calculator
- Social Security Decision Checklist
- Tax-Smart Withdrawal Guide
- Estate Planning Starter Checklist
- 30-day money-back guarantee
Your instructor
Dr. Boyce Watkins
Dr. Boyce Watkins holds a PhD in Finance and has spent more than two decades teaching Black families the money rules that were never explained to us in school, at work, or at home. As the founder of The Black Business School and Dr. Boyce Academy, he has taught hundreds of thousands of students how to build, keep and pass on wealth — in plain English, with no jargon and no sales agenda.
He built the Black Retirement Summit for one reason: too many brilliant, hardworking people in our community reach 55 with no clear plan, and the industry that is supposed to help them has earned their distrust.
- PhD in Finance
- Bestselling author on Black wealth
- Founder, The Black Business School & Dr. Boyce Academy
- One of the most-followed Black financial educators in America
- Speaker quality rated 4.93/5 by summit attendees
A personal note from Dr. Boyce
I built this summit because I was tired of watching brilliant, hardworking Black men and women reach their 50s and 60s with no clear plan for what comes next.
We were taught to work hard. We were taught to be loyal. We were taught to save “something.” But nobody gave us the blueprint — the actual mechanics of how retirement income works, how taxes eat your savings, how Social Security claiming strategy alone can mean a difference of hundreds of thousands of dollars over your lifetime.
That ends here. Sit down with these four sessions. Do the worksheets. Know your number. Then go build the retirement your family deserves — with a plan, not a prayer.
Dr. Boyce Watkins
Finance PhD · Founder, The Black Business School
Questions
Frequently asked questions
Still unsure? These are the questions attendees asked most.
Zero-risk enrollment
30-Day Money-Back Guarantee
Enroll today. Watch all four sessions. Download every worksheet. If, within 30 days, you do not feel dramatically more clear and confident about your retirement, email us and you will receive a full refund. No forms, no hoops, no hard feelings. The only thing you risk is staying exactly where you are.
The decision
Ten years from now, you will either have a plan or a regret.
The rules were never explained to us. Now they are — in four sessions, for $99, with lifetime access and a 30-day guarantee. The gap does not close itself. Take the first step tonight.
$249 → $99 · One payment · Lifetime access · Instant delivery