"Market Value Fuels the Ego,
Income Fuels the Yacht."

Real wealth isn't numbers on paper--
it's the income you can actually enjoy.

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What is Income-Focused Retirement Investing (IFRI)?

In retirement, income is king. Are you stuck in chasing market value mode? It's time to break free with Income-Focused Retirement Investing (IFRI), a time-proven strategy designed to help retirees achieve consistent, reliable income—regardless of market volatility.

Using a hands-on approach, IFRI emphasizes:

  • High-quality, income-focused and stock market based securities
  • Active management techniques that grow your income quarterly
  • Leveraging market fluctuations and interest rate changes to your advantage

Worried about retirement income? Let's fix that.
Concerned about market ups and downs? Make them your best friend.
Want to grow your income every year? You can, with IFRI.

About
Steve Selengut

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Steve Selengut was a private portfolio investment manager with over $110 million in assets before selling his business in 2023. He's introduced several proprietary concepts, including QDI + PT, Smart Cash, The Working Capital Model, The Investor's Creed, Base Income, and the Investment Grade Value Stock Identification System.

As a 44-year investment professional, he's developed a simple yet little-known system for producing reliable market generated income. He created income-generating portfolios for his clients for decades, growing their income every year.

Now semi-retired himself, his mission is to bring this system to as many investors and retirees as possible. Learn more about Steve's income independence coaching services.

Grow Your Income AND Assets in Retirement

Steve's
Book

"Book cover about retirement financial strategies."

Discover Steve’s complete methodology for maximizing retirement income.

Buy the Book

One-on-One
Coaching

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Get tailored advice on portfolio management, investment selection, and income growth strategies.

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RMS Income Investing Community

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Access an income-focused community of like-minded investors based on the RMS Book.

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Rave Reviews

“Monthly and quarterly dividends have been paid which are nice. But the taking of GAINS at 3-7% and putting them to work again has compounded my money like I have never seen. I spend an hour 3-4 times a week, so not a huge time suck. I am way less concerned about a market drop. I feel this is a MORE stable way to invest.”

Lori Fredrickson

“For those of us nearing or already in retirement, this is something a bit different to look into and think about, a good way to create that extra paycheck 'without' touching your principal! Book is laid out very well and enjoyable to read as Steve takes you through each step of the thought process."

G. Kane

“I am retired and my base income has more than doubled! I am much less concerned about market volatility and tend to ignore a lot of the day to day noise about markets. I do get active when I hear that there are big shifts in the market, but rarely to sell, and almost never at a loss. I use those market moments as opportunities to shift and enhance my portfolio. Early on I was doing it daily or weekly, but now I have settled into checking into my portfolio either weekly or monthly, or if a big news cycle rocks the markets.”

W. Allender

“Steve Selengut’s insights are a breath of fresh air in today’s growth-obsessed investment culture. His focus on income as the foundation of financial security resonates deeply with my own approach. After a recent call with Steve, I’ve been inspired to further optimize my already solid, income-yielding portfolio. His perspective is a game-changer for anyone serious about long-term financial freedom.”

Jean-Paul Lansdaal, MSc RA