Retirement guide
Retirement planning
Retirement planning works out how much income you'll need after work, how much your savings and benefits will provide, and how to close the gap. We use annuities and life insurance to make part of that income guaranteed, so a bad market year doesn't decide your retirement.
What it is
A 401(k) builds savings, but it doesn't guarantee income, and it can run dry if you live longer than planned or the market falls at the wrong time.
Our part of retirement planning is income and protection. We measure what you'll need, see what you're on track to have, and fill the gap with guaranteed income and insurance that protects what you've saved.
How it works
How we build a retirement plan.
Discovery
Your finances, retirement goals, timeline and comfort with risk. This is the foundation.
Gap analysis
The difference between what you'll need and where you're heading, so you know what it takes.
Strategy
A plan using annuities, IUL and life insurance to create guaranteed income and protect your assets.
Putting it in place
We handle the applications and coordination, comparing products across 47+ carriers.
Ongoing review
We review the plan as your life, the markets and the options change.
Who it suits
The tools we use.
Guaranteed income annuities
A pension-like income you can't outlive. Fixed, indexed and variable options.
Indexed universal life
Cash value with index-linked growth that can supplement retirement income when structured correctly.
Whole life insurance
Guaranteed cash value growth and possible dividends, with lifelong protection.
Long-term care planning
Protect retirement savings from care costs with hybrid policies and living benefit riders.
Cost
What it costs.
The consultation and the plan cost nothing. If you decide to put part of the plan in place, the cost is in the products themselves: annuity fees and riders, and life insurance premiums. We show those for each line of the plan.
Coverage and pricing depend on underwriting, eligibility, state availability, and carrier approval.
Before you decide
Why plan with an independent firm.
Independent
Not tied to one company. We compare 47+ carriers for each part of the plan.
Focused on guarantees
We specialise in products that provide guaranteed income, tax advantages and protection.
Plain words
No jargon. Every line of the plan says what it does and why.
Questions and answers
What people ask us.
Isn't my 401(k) enough?
For most people, no. A 401(k) builds savings but doesn't guarantee income, and it can run dry if you live longer than planned or the market turns at the wrong time. We add guaranteed income so a downturn doesn't decide your retirement.
What is guaranteed income I can't outlive?
An annuity can convert part of your savings into a steady income for life, like a private pension. However long you live and whatever the markets do, the income continues.
Do you sell your own products?
No. We're independent and compare 47+ carriers, so we recommend what fits you, not what one company needs to sell.
Can life insurance help with retirement income taxes?
Products like indexed universal life build cash value that grows tax-deferred and can be accessed through policy loans that are generally not taxed as income, when structured correctly. That can complement taxable 401(k) and IRA withdrawals.
Related guides
Read next.
Annuities
Turn savings into income you can't outlive, with a choice between certainty, access and growth.
Read the guideIndexed universal life
Permanent coverage with flexible premiums and growth linked to a market index.
Read the guideWhole life insurance
Coverage that never expires, with a fixed premium and guaranteed cash value.
Read the guideFind your retirement income gap.
Thirty minutes on what you'll need, what you'll have and how to close the difference.
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