Now That You're Retired, You Need an ERA.™
You spent your working years preparing for retirement. Now it is time to make the income you have work harder — while bringing more structure and accountability to the household bills that did not retire with you.
Before Retirement, You Needed an IRA.
Now That You're Retired, You Need an ERA.™
The comparison is simple: one is associated with preparing money for retirement. The other is ReCapture Financial's program account relationship for managing participating household expenses and receiving Monthly Residual Income through MiddleBanking™ 1.0.
You spent years planning, saving and preparing for the income you would need later.
Your Expense Residual Income Account is built around the household expenses you are paying now.
Prepare the Bills You're Taking Into Retirement.
Your job may end. Your paycheck may change. But the mortgage or rent, utilities, insurance, groceries, vehicle costs, property taxes and everyday household expenses will keep going.
MiddleBanking™ 1.0 gives you the opportunity to organize that expense activity before retirement arrives, so the household system is already familiar when your income changes from wages to retirement income.
Predictable Income. Predictable Expenses. One Organized Plan.
For many retired households, regular retirement income and recurring monthly household obligations create exactly the kind of predictable financial pattern MiddleBanking™ 1.0 is designed to organize.
Social Security, pensions and other steady retirement income can be organized around the household expense calendar.
The same mortgage or rent, insurance, utilities, groceries, vehicles and household obligations continue month after month.
Your participating household expense activity becomes the basis for Monthly Residual Income from ReCapture Financial under the applicable program terms.
We Are Accountable.
We understand the question: “If ReCapture is managing my bill-pay plan, who is responsible for making sure the participating bills are handled?” ReCapture accepts responsibility for the bill-pay work entrusted to us through your active MiddleBanking™ plan.
Retirement Money Does Not Have to Be a Solo Conversation.
If you have an adult child, spouse, sibling, financial professional or another person you trust, we welcome you to bring them into the conversation with your permission.
They can hear the same explanation, ask questions with you, and better understand what ReCapture is responsible for and what you are responsible for.
Your Retirement Bills Still Need a System.
MiddleBanking™ 1.0 turns your participating household expenses into one organized monthly process.
Are You Retired or Retiring Soon With More Than $3,000 a Month in Household Expenses?
If you have steady household income and meaningful recurring expenses, the fastest way to understand what an ERA could mean for you is to look at your actual numbers.
You Prepared for Retirement.
Now Put Your Retirement Expenses to Work.
MiddleBanking™ 1.0 organizes the participating household expenses you already pay, ReCapture manages the bill-pay process, and your ERA tracks your participation and Monthly Residual Income.
Before Retirement, You Needed an IRA. Now That You're Retired, You Need an ERA.™
Important Disclosure
ReCapture, Inc. dba ReCapture Financial™ is a FinTech company operating a proprietary MiddleBanking™ household money-management and bill-pay system. ReCapture Financial is not a bank.
ERA Is Not a Retirement or Investment Account
An Expense Residual Income Account is a ReCapture Financial program account relationship. Despite the IRA/ERA comparison used on this page to explain different financial stages, an ERA is not an IRA, government-sponsored retirement account, investment account, bank deposit account, insurance product, securities account, or lending product. ReCapture Financial does not provide retirement, tax, legal, or investment advice.
Monthly Residual Income
Monthly Residual Income is paid according to verified participating household expense activity, active participation, account status, and the current program terms applicable to the household's MiddleBanking™ 1.0 plan.
No AARP Affiliation or Endorsement
This ReCapture Financial page is not affiliated with, sponsored by, or endorsed by AARP. Any advertising placement or referral source does not create an affiliation, partnership, sponsorship, or endorsement relationship.
Family Participation and Privacy
A client may choose to include a trusted family member or other support person in discussions with ReCapture Financial. Access to account-specific information remains subject to the client's authorization and applicable privacy requirements.