USA News: Interview of RESO YOUR FINANCES Founder – A Comprehensive Approach to Mortgage, Debt, and Retirement Solutions

Vincent Emery Portray January 2025

This interview was published at USA NEWS on March 12th, 2025.

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An Interview with Vincent Emery, President of RESO Your Finances

In an era where financial uncertainty is a common concern, Vincent Emery, President of RESO Your Finances, offers a unique and holistic approach to personal finance. From managing debt to securing a stable retirement and paying off mortgages faster, RESO Your Finances is reshaping how individuals manage their financial well-being. In this exclusive interview, Emery shares his journey, insights, and the innovative services his company provides to help people take control of their financial futures.

Q: Vincent, can you tell us a little about your background and how it led to the creation of RESO Your Finances?

A: “My background is a singular one. I was born in Switzerland, and my career has taken me to some of the most prestigious financial environments, like Silicon Valley and Wall Street, where I had the chance to collaborate with influential leaders in the venture capital and financial markets space. After earning my MBA from Babson College, ranked number one in entrepreneurship, I founded my own company specializing in psychotech. Over time, my focus shifted towards weight loss through RESO Your Life programs, which are covered by major health insurance providers, including Medicare.

After a decade of research and working with hundreds of clients, we realized that stress plays a critical role in maintaining weight loss. Stress can stem from various sources—relationships, which led to RESO Couple, and personal finances. It was this understanding that inspired me to create RESO Your Finances, focused on helping individuals manage their finances in a way that reduces stress and brings stability.”

Q: What exactly does RESO Your Finances offer, and how does it help people at different stages of their financial lives?

A: “RESO Your Finances takes a comprehensive, customized approach to personal finance. We provide three key services: RESO Your Debt, RESO Your Mortgage, and RESO Your Retirement. Each service is tailored to meet the individual needs of our clients. RESO Your Debt helps people manage their debt more effectively by creating strategies for faster repayment while ensuring they have emergency funds and the right insurance coverage. RESO Your Mortgage focuses on home financing and refinancing strategies to maximize savings and wealth-building opportunities. RESO Your Retirement addresses retirement planning, offering strategic investment and withdrawal options to ensure clients can meet their long-term financial needs.”

Q: You’ve had quite an extensive career in finance. Could you tell us about your perspective on the American retirement system and how it differs from others, such as Switzerland’s?

A: “Absolutely. Like many people, I initially thought 401(k) and IRA accounts were part of the American financial system for a long time. But they were only introduced in 1979 when Congress shifted responsibility for pension distribution from employers to individuals. This change led to a huge amount of cash flowing into Wall Street and was a key driver in the financial boom of the 1980s. However, I later realized that the American system had flaws, especially the 4% rule for retirement withdrawals. This model just doesn’t provide the same level of security that pension systems in countries like Switzerland do. In Switzerland, retirees receive both social security and pension funds managed by their employers.

For example, my mother receives $2,000 per month from Swiss Social Security and another $4,200 per month from her pension fund. If she had followed the U.S. 401(k) model with a 4% withdrawal rate, she’d only receive $2,240 per month. This discrepancy made me want to find a better solution for American retirees, combining the flexibility of our system with the security of countries like Switzerland or Germany.”

Q: It sounds like you’ve identified a significant gap in the American retirement system. What solutions have you developed through RESO Your Finances?

A: “Through RESO Your Finances, we’ve developed a strategy that allows individuals to increase their withdrawal rates up to 8%, which is a more sustainable solution than the traditional 4% rule. This strategy gives people the ability to secure their assets and create a pension-like structure that can provide a much more stable income during retirement. Our goal is to combine the flexibility of the American system with the security found in pension systems abroad, offering a solution that better meets the needs of our clients.”

Q: What sets RESO Your Finances apart from other financial planning services?

A: “What makes us unique is not just our ability to help clients pay off debt or plan for retirement, but our holistic approach. At RESO Your Finances, we understand that financial stress impacts all areas of life. We focus on both financial and emotional support. Life is full of ups and downs, and we’re here to guide people through it all. We also help clients pay off their mortgages faster without raising their monthly budget, and we integrate Mortgage Protection Life Insurance to provide peace of mind. Our clients know that in the event of an unexpected life event, their mortgage will be paid off. Additionally, once the mortgage is paid off, we offer a cashback option that reimburses their insurance premiums, which is a unique feature not available with traditional mortgage protection insurance.”

Q: It seems like your services go beyond just financial planning. How do they truly help people in the long run?

A: “The services we offer are about more than just numbers. We’re here to empower our clients to achieve financial security with confidence and peace of mind. We want to help people create the life they want, free from the financial stress that so often holds them back. Whether it’s managing debt, securing a mortgage, or planning for retirement, we’re here every step of the way to make sure they’re on the right track.”

Q: How can people get started with RESO Your Finances?

A: “It’s simple! Visit our website at www.resoyourfinances.com to learn more about our services and start securing your financial future. We also have a strong presence on social media, including Facebook, LinkedIn, and YouTube, where people can find valuable financial tips and insights.”

For more information about how RESO Your Finances can help you secure a better financial future, visit www.resoyourfinances.com or connect with them on social media:

With RESO Your Finances, individuals can take the first step toward a secure, debt-free, and financially independent future.