The Problem with Traditional Retirement Planning
Most people believe that simply saving a large amount of money is enough for retirement. But without a strategy to turn your savings into predictable monthly income, you’re still at risk of running out of money
- Market downturns can significantly reduce your retirement savings overnight.
- Longevity risk means you may outlive your savings.
- Inflation & rising costs can eat away at your purchasing power
The solution? Convert part of your savings into a lifetime income stream, guaranteed by an insurance company.
Traditional “4% Withdrawal Rule” is Risky
• Many retirees rely on market investments and withdraw 4% annually.
• This approach fails if the market crashes early in retirement.
Social Security Alone May Not Be Enough
• Average Social Security check: $1,825/month (2024)
• But the average retiree needs $4,500+ per month.
• What will fill the gap?
You Need a Strategy for Greater Financial Certainty
Instead of relying on hope, create a lifetime income that ensures your monthly needs are covered.
Research-Backed Insight:
Studies show that retirees with guaranteed income experience less stress, more happiness, and greater confidence in their spending.
Why Savings Alone Won’t Secure Your Future
Traditional “4% Withdrawal Rule” is Risky
• Many retirees rely on market investments and withdraw 4% annually.
• This approach fails if the market crashes early in retirement.
Social Security Alone May Not Be Enough
• Average Social Security check: $1,825/month (2024)
• But the average retiree needs $4,500+ per month.
• What will fill the gap?
You Need a Strategy That Removes Uncertainty
Instead of relying on hope, create guaranteed lifetime income that ensures your monthly needs are covered—no matter what happens.
Research-Backed Insight:
Studies show that retirees with guaranteed income experience less stress, more happiness, and greater confidence in their spending.
Our 3-Step Process to Help You Plan for
Secure Lifetime Income
Calculate Your Monthly Income Need (Find Your Number)
If you haven’t yet, use our What is Your Number calculator to estimate how much monthly income you’ll need in retirement.
Optimize Your Social Security & Other Existing Income Sources
-
Delaying Social Security increases your lifetime monthly benefits by 8% per year after full retirement age.
-
Pairing Social Security with other guaranteed income sources creates stability.
Convert Suitable Savings into a Reliable Paycheck
- Not all assets are created equal for retirement income.
- Some assets can be converted into personal pensions (aka income annuities) that provide a monthly paycheck for life, guaranteed by the isssuing insurance company.
What is the Next Step? Get Your Personalized Plan
You now know how important it is to secure your monthly retirement paycheck.
But every retiree’s situation is unique.
That’s why we offer a free, no-obligation consultation
to help you:
Identify the right assets to use for guaranteed income.
Maximize your Social Security strategy.
Build a personalized income plan to reduce your worry about outliving your income.
This website provides general retirement planning education. Individual results may vary. Always consult
a licensed professional for personalized advice.