Lifetime Income Planning

People spend years working hard and accumulating money for retirement. After such a long time, they look forward to enjoying a comfortable and fulfilling lifestyle. This comes about from diligent financial planning and following a well-laid-out plan built around your retirement goals and expectations.

A significant part of retirement planning is income planning. It focuses on mapping out and sustaining preferred income streams over a long-term outlook. With Americans’ life expectancies at a historical high and on the rise, the 70s are the new 50s. Now we must plan for the possibility of potentially spending many years in retirement — along with all the potential financial and income needs that come with it.

The Need for a Long-Term Income Strategy

According to the Social Security Administration, nearly one in every 65-year-olds today will live past age 90. The SSA also projects that one out of 10 will live past age 95. That raises the prospect of “longevity risk,” or the probability of outliving retirement money over time.

In turn, longevity risk compounds the potential effects of other retirement risks like:

  • The market falling or correcting
  • Bond values dropping with interest rate hikes
  • Inflation affecting purchasing power over time
  • Costly expenses arising from healthcare, long-term care, and other care needs
  • Your taxes rising
  • Your tax liability increasing

We want you to obtain financial security and peace of mind. Let us help you gain confidence to enjoy life on your terms.

Income Planning for a More Confident Future

Most forward-thinking investors want stability and predictability in their monthly income flows. Not income which varies each month! With a personalized retirement plan, you can be secure knowing where your money will come from month-to-month, no matter what happens.

With advanced strategies, you can benefit from:

  • Reliable, lifelong, permanent income
  • More spendable cash-flow to do what you choose
  • Safe, reliable asset growth
  • Wealth protection against ever-changing markets
  • Tax-minimization strategies

If you are ready, we invite you to talk about your retirement goals, evaluate your financial picture, and discover strategies that can help you achieve your objectives. This starts with an initial goal-discovery meeting.

To get started, you can request a personal consultation. Request a meeting or call us at 925-287-8880 — we look forward to helping you.