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Did you Know......

Planning for retirement income is one of the most important steps you can take to secure your financial future. By preparing ahead, you can ensure a steady and reliable income stream that allows you to maintain your lifestyle and enjoy the retirement you’ve always envisioned.

Whether you're aiming to travel, spend more time with family, or simply live without financial stress, a well-structured retirement income plan can help you achieve your goals.

With the right strategies, including saving, investing, and choosing the right retirement accounts, you can protect yourself from market volatility, minimize taxes, and maximize your long-term wealth.

Start planning today to build a retirement that gives you peace of mind for years to come.

We make it easy for you

3 Simple Steps to Get Started!!

Simple No Obligation Process. We Are Here As a Helpful Resource.

Step #1

Request Your Analysis

Click the link to fill out our form. We will use this information to contact you. This is the first step in safeguarding your retirement.

Step #2

Meet with us on a Discovery Call

Our initial Call will be to get to know you and your situation. We will complete an intake questionnaire to understand your goals for retirement.

Step #3

We Prepare and Present a Plan For Your Review.

Typically this meeting is done over zoom or in person. We will have a plan prepared that we believe is in your best interest. We will go over all the details, make any adjustments, and answer any questions and help you get your retirement plan implemented for success.

STILL NOT SURE?

Frequently Asked Questions

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Why is retirement income planning important?

Retirement income planning ensures that you have enough money to maintain your lifestyle after you stop working. It helps you prepare for future expenses, protects against market volatility, and reduces the risk of outliving your savings.

When should I start planning for retirement?

The earlier, the better! Ideally, you should start planning and saving for retirement as soon as possible, even in your 20s or 30s. The earlier you begin, the more time your investments have to grow, especially with the power of compound interest.

How can I protect my retirement income from market downturns?

Diversifying your investments across different asset classes and including safer, more stable options like bonds or annuities can reduce the impact of market declines. A portion of your portfolio may also be allocated to defensive stocks, real estate, or cash-equivalents to provide stability.

How much should I save for retirement?

The amount you need depends on your desired lifestyle, expected expenses, and other factors like health care costs. A general rule of thumb is to save at least 15% of your income for retirement. Working with a financial planner can help you estimate your specific needs.

What are no market risk products?

No market risk products are financial instruments designed to protect your principal investment from market downturns. These products offer steady growth opportunities without exposing your savings to the volatility of the stock market. Examples include fixed indexed annuities (FIAs) and certain types of whole life insurance policies.

Can I outlive the income from these products?

Many no market risk products, like FIAs with lifetime income riders or whole life insurance with cash value growth, are designed to provide income that lasts as long as you do, ensuring financial stability throughout retirement.

What is the difference between a Traditional IRA and a Roth IRA?

A Traditional IRA offers tax-deferred growth, meaning you pay taxes when you withdraw the money in retirement. A Roth IRA, on the other hand, allows your investments to grow tax-free, and qualified withdrawals in retirement are also tax-free. Both accounts have different tax advantages depending on your current tax situation and expected tax rates in retirement.