What's The "Big Secret" To Getting A 27% Premium Bonus On Your Retirement Account?
21-Year Financial Strategist, Richelle Dickerson Says It's Not A "Secret" At All. It Just Takes What It's Always Taken... "The Courage To Look At What Your Advisor Isn't Showing You—And The Guts To Ask Why."
$80,000
IRA Bonus
Pam M a Law Office Assistant from Balitomore Md received $80,000 before Thanksgiving for transferring her 401(k) into an IRA with a 20% bonus
$180,000
TSP Rollover Bonus
Davina M, an IRS employee from Richmond Virginia, who was forced into retirement during the government layoff of 2025 received $180,000 bonus for transferring her Thrift Saving Plan into an IRA with a 27% bonus.
Dear Friend,
I need to tell you something that's going to make you angry.
And I'm sorry for that. I really am.
But someone needs to say it, and it might as well be me.
Your retirement account is probably worth less than it should be.
Your retirement account is probably worth less than it should be...
And the person managing it either doesn't know—or worse, doesn't care.
My name is Richelle Dickerson
Financial Strategist/CEO/Licensed Broker/Certified Financial Planner
I've been doing this for 21 years... and about 10 years ago, something happened that changed everything for me...
I was sitting across the table from a couple—both in their early 60s—reviewing their retirement statements.
They'd done everything right. Saved aggressively. Maxed out contributions. Followed every piece of advice their advisor gave them.
The husband looked at me and said, "So we're good, right? We can retire?"
I looked at their balance. Then I looked at what they COULD have had if they'd been with a company that offered premium transfer bonuses.
The difference was $180,000.
I felt sick.
"You're good," I said. "But you could have been better."
His face fell. His wife reached for his hand.
That's when I realized: This wasn't about ignorance. This was about silence.
The financial industry has built an entire system on people not asking the right questions. On people trusting that if something important existed, someone would tell them.
But here's what I've learned in 21 years:
If I Want To Actually Serve You...
Get Every Single Dollar You're Entitled To
...I Have To Be The One Who Breaks That Silence.
Even When It's Uncomfortable. Even When It Makes People Angry.
I know this is hard to hear.
You trusted someone. You did what you were told. You saved. You planned. You thought you were doing everything right.
And you probably were.
But "right" doesn't mean "complete."
Because here's the truth nobody wants to say out loud:
Most financial advisors only show you what they're trained to show you. Or worse—what they're paid to show you.
Premium transfer bonuses?
They exist.
They're real.
They're substantial.
But if your advisor works for a company that doesn't offer them... why would they tell you about the ones that do?
I've had clients come to me in tears after finding out what they've been missing.
I've had clients get angry—at their old advisor, at the system, at themselves for not asking sooner.
I've had clients go silent on the phone when I show them the numbers. That terrible, heavy silence when you realize how much time you've lost.
And every single time, I think about that couple from 10 years ago. The ones who could have had $127,000 more. The ones who trusted the system and got betrayed by silence.
That's why I do what I do now.
Not to sell you something. Not to make you switch companies just for the sake of it. But to ask the questions nobody else is asking.
To show you what nobody else is showing you. To break the silence that's costing you thousands—sometimes hundreds of thousands—of dollars.
If you're still reading this, you're probably feeling one of two things:
Curiosity...
Could this apply to me?
Do I qualify?
How much am I missing?
Or dread.
What if I've been leaving money on the table for years and nobody told me?
Both of those feelings are valid.
And both of them are exactly why I wrote this letter.
Because If You're Over 50...
If Your Retirement Account Is Transferable...
If You've Been With The Same Company For Years And Nobody Has Ever Mentioned Premium Transfer Bonuses...
Then We Need To Talk.
Not because I want to scare you.
But because I don't want you to be the person who finds out five years from now—or ten years from now—that the money was always there. You just didn't know to ask for it.
I've been doing this for 21 years.
I've helped hundreds of people find money they didn't know existed.
And every single time someone transfers an account and receives a premium bonus—$30,000, $50,000, $80,000—I think about all the people who never will.
Because nobody broke the silence.
So I'm breaking it.
Right now.
For YOU.
If you're the kind of person who wants the truth—even when it's uncomfortable....
If you're the kind of person who's willing to ask hard questions...
If you're the kind of person who refuses to leave money on the table just because nobody told you it was there...
Then book a 30-minute call with me.
I'll show you which companies offer premium transfer bonuses.
I'll tell you whether your account qualifies.
And I'll walk you through exactly what you'd need to do to claim it.
No pressure. No games. No upselling.
Just the truth.
Because you deserve that.
From Virginia Beach to wherever you are—love, joy, and peace.
Richelle Dickerson
Rhema Financial Solutions Inc
P.S. I had a client tell me once: "I wish I'd met you ten years ago." I told her, "I wish you had too. But we can't get those years back. We can only fix the years ahead."
That's what this call is. A chance to fix the years ahead. Before it's too late. Before you're the one saying "I wish." Don't wait. Book now.
A Simple Conversation. Clear Answers.
This is a confidential, one-on-one conversation to review your situation, answer your questions, and determine whether there’s a clear path to help you secure what you’re entitled to. No pressure. Just clarity.
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