Guaranteed Income for Life
Strategic retirement income planning for those approaching or in early retirement.
Turn your savings into a paycheck that lasts as long as you do.
Most retirees face a problem that no amount of savings can solve alone
Two retirees with identical portfolios and returns can have drastically different outcomes based solely on when market downturns occur. Early losses can deplete your savings decades faster.
A 65-year-old couple has a 50% chance one partner lives to 90—and a 25% chance one reaches 95. Planning for average life expectancy means half of retirees outlive their money.
The old "4% rule" was designed for 30-year retirements with higher bond yields. Today's reality demands lower withdrawal rates—or a fundamentally different approach.
The goal isn't maximum portfolio value. It's maximum income security.
Guaranteed sources that cover all essential expenses—housing, healthcare, utilities, food. No market risk. No running out.
Once essential expenses are covered, remaining assets can pursue growth for discretionary spending—travel, gifting, legacy.
BlackRock research shows guaranteed income + optimized allocation increases spending ability by 29% while reducing risk by 33%.
Delaying Social Security from 65 to 67 increases spending by 16% and reduces downside risk by an additional 15%.
We separate your essential expenses (housing, healthcare, utilities) from discretionary spending (travel, entertainment, gifts). Your floor must cover 100% of essentials.
Every year you delay Social Security beyond Full Retirement Age adds ~8% permanently. We design a bridge strategy to maximize this risk-free return—potentially adding $150K–$400K in lifetime income.
We allocate a portion of your assets to Fixed Index Annuities with Guaranteed Lifetime Withdrawal Benefits. Your income benefit base grows at 5–8% annually during deferral, then converts to guaranteed lifetime payments.
With your floor secure, we structure remaining assets across three time horizons—eliminating sequence of returns risk and allowing you to weather market volatility without panic.
Retirement isn't static. We review your plan annually, adjusting for life changes, tax law updates, and market conditions—always keeping your income floor intact.
William Bengen's 1994 research suggested retirees could withdraw 4% annually with confidence. But that assumed bond yields above 5% and equity valuations far lower than today.
Modern research suggests safe withdrawal rates closer to 3–3.5%—and even then, there's no guarantee.
Example: Two retirees start with $1M, withdraw $50K/year, and average 6% returns over 20 years.
Retiree A (bad years early): Portfolio depleted in year 18.
Retiree B (bad years late): Portfolio worth $1.5M at year 20.
Same average return. Opposite outcomes. Only guaranteed income eliminates this risk.
At just 3% annual inflation, $5,000 of monthly income in year 1 has the purchasing power of only $2,739 in year 20.
Social Security adjusts for inflation automatically. Strategic GLWB riders can include inflation protection. Portfolio withdrawals do not.
You're within the critical decision window—retirement income planning is urgent, yet strategic timing decisions (Social Security optimization, annuity roll-ups) can still add hundreds of thousands in lifetime income.
You have enough that running out of money would be a planning failure, not an earnings problem. But not so much that you can ignore sequence of returns risk or longevity uncertainty.
You'd rather know your essential expenses are covered for life than chase maximum portfolio returns. You want to enjoy retirement—not spend it watching market tickers.
Join us for a complimentary Retirement Income Strategy Session—in person or via Zoom.
We'll analyze your current retirement assets, Social Security timing, and essential vs. discretionary expenses—then show you exactly how much guaranteed lifetime income you can create.
Schedule Your SessionNo-obligation consultation. No product sales pitch. Just a clear roadmap for turning your savings into income you can't outlive.