Level 3: Retire
Savings are a number.
​Retirement is a paycheck.
When the goal shifts from building cash to living on it, we design retirement income around what you've saved and what you need each month.
WHO THIS FITS
- People within sight of retirement, or already there
- Savers who want to move money out of market exposure
- Couples who want income that a surviving spouse can rely on
- Anyone who wants a plan to live off the interest
WHAT WE BUILD
- Non-variable annuities, including fixed, fixed indexed options, and even multi-year guaranteed annuities
- Income planning that sets a monthly or annual target and works back to the funding
- Life insurance benefit to protect a loved one's income and leave a legacy
HOW THE POLICY WORKS AS A TOOL
How the policy works as a tool
Income you can plan on
Annuity payout options are designed to turn a lump sum into income.
Less market exposure
Fixed annuities are not invested directly in the market. Get the gains without the loss. *Ask us about possible bonuses*.
Protects the other half
An annuity can keep a spouse's income steady after a loss.
Guarantees depend on the issuing carrier.
OLD CONCEPT #1: I'm ok. I already have a 401 K/ IRA.
HOW WE USE IT
Retirement with your employer, if they're matching, and an IRA creates an introduction to retirement. While these options are common and give some effectiveness, relying solely on these type of products do NOT provide guaranteed retiremnet funds that you are able to calculate as you age. You are still vulnerable to market losses.
While these options are lump-sum focused, we prepare you for structured, compounding lifetime income.
OLD CONCEPT #2: I can get better returns from the market.
To be honest, the market is a great multiplier. Because we encourage diversification, our job is to focus on protection first. This gives you foundational security that you are able to build on.
The market can multiply your wins, AND it can also multiply your losses. We generally ask all of our clients, "Is multiplying your losses the only strategy you want to bet the rest of your life on?". You work hard for your money, so first, protect the principle. Then we can focus on growth you can keep.
Putting all of your eggs in one basket can cause dissatfication, failed plans, and unnecessary stress that you may not be able to undo. This is preventable with time-tested strategies and proper guidance.
OLD CONCEPT #3: Invest, Invest, Invest
We design each policy around a goal. "One size fits all" breeds dissatificaiton, misleading information, and uncertain outcomes for each individual. We are currently in a season where varible investments are the "go-to" to building wealth without the knowledge of protecting the wealth and playing a longer game. Money is a tool, not always a quick cash grab.
Losses of all sizes happen daily. We believe that an influx of losing large sums of money may cause a loss of trust and confidence in the professionals licensed to help. To combat this, when you work with our team, you will get educated on time-tested strategies that you will be able to pass down to future generations with confidence.
Start with a 10-minute plan check
Tell us about your family or your business. We'll show you which level fits and what the plan could look like, with no pressure to buy anything.