Retirement income
Income you can count on, every month, for life
Social Security covers part of the picture. We help you build the rest with guarantees instead of guesses.
Three building blocks
Where retirement income comes from
Most retirees draw from three sources. We help you get the most from each—and make sure the total never runs dry.
Fixed & Indexed Annuities
Guaranteed interest, principal protection and the option of lifetime income from an insurance company—not the stock market.
Personal Pension Plan
Turn a portion of your savings into a private pension that pays you—and your spouse—for as long as you live.
Social Security Planning
When you file can change your lifetime benefit by six figures. We walk through the choices before you decide.
A fact worth knowing
Social Security replaces less than you think
For a lower earner, Social Security may replace roughly half of pre-retirement income. For a higher earner it can be closer to a quarter. The difference has to come from somewhere—and it has to last 25 to 35 years.
Income-gap check
- What lifestyle do you want to maintain?
- What guaranteed income is already in place?
- What is essential vs. discretionary?
- What happens if one of you needs care?
- Does the plan still work if the market drops 30%?
Free consumer’s guide
Annuities: Safe Money Products that Grow & Preserve Wealth
Our free consumer’s guide explains what annuities are, how they work, and why they are considered a “safe money place” for money you cannot afford to lose.
- How annuities protect principal and still earn interest
- Fixed vs. fixed index vs. variable, compared
- Tax advantages and lifetime-income options explained
Get the guide
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Not sure where to start? Ask us a financial question.
Every situation is different and there is no one-size-fits-all retirement plan. Ask anything—you’ll get a straight answer from a licensed professional, not a sales pitch.