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Retirement Planning
Retire With Income
You Can Count On
The years right before and after retirement are the ones you can least afford to get wrong. We help you build a protected foundation of income that lasts as long as you do.
From saving to spending —
the transition that matters
Growing a nest egg and turning it into a paycheck are two different problems. As you approach retirement, sequence-of-returns risk means a bad market year at the wrong time can permanently reduce what you can safely spend.
We help you decide how much of your savings should be protected from market loss, how to coordinate that with Social Security timing, and how to create income that continues for life.
Everything is explained with real numbers before you commit — including fees, surrender periods and the trade-offs of each option.
Strategies we can review
- Fixed and fixed indexed annuities
- 401(k) and IRA rollover options
- Guaranteed lifetime income riders
- Social Security timing coordination
- Legacy and beneficiary planning
A conversation makes sense if you
- Are within ten years of retiring
- Have a 401(k) from a former employer
- Worry about outliving your savings
- Want part of your portfolio protected from market loss
- Are unsure when to claim Social Security
Questions
Common Questions
What is an annuity, in plain English?
It's a contract with an insurance company: you contribute a lump sum or payments, and in exchange you get growth potential with downside protection, based on the terms of that specific contract. If you choose an income rider, the carrier can guarantee lifetime income payments — backed by the issuing company's claims-paying ability — subject to the rider's fees, terms and any surrender period.
Can I lose money in a fixed indexed annuity?
Fixed indexed annuities are designed so your principal isn't directly exposed to stock market losses, based on the guarantees in the contract you select. Growth is credited based on an index's performance, subject to a cap or participation rate set by the issuing insurance company — so you trade some upside for downside protection.
These guarantees are backed by the claims-paying ability of the issuing carrier, and are subject to the specific contract terms, any rider fees, and surrender charge schedule, which we'll walk through line by line before you commit.
Can I roll over a 401(k) or IRA?
Yes, qualified funds can often be rolled over without a taxable event. We coordinate with your custodian and, when appropriate, your tax professional.
Is this a replacement for my financial advisor?
No. We focus on the protected, guaranteed side of a retirement plan. Many clients keep their advisor and use us for the income floor underneath it.
Explore
Other Ways We Can Help
Life Insurance
Protect your loved ones and leave a lasting legacy.
Medicare
Find the right Medicare plan for your health and budget.
Critical Illness
Financial protection if you're diagnosed with a covered illness.
Long-Term Care
Plan ahead for the cost of care and protect your assets.
Build a Retirement Income Plan You Trust
Let's build a plan that gives you confidence in your tomorrow.