Annuities & Income 
planning Strategies

Creating a Pension-like Retirement

Retirement income planning is not just for the wealthy, nor is it just for people approaching retirement. The younger you start, the more you will have later to enjoy a lifestyle in retirement.  The number one fear for many people is running out of money in retirement. With the uncertain future of Social Security benefits and a decrease in traditional pension plans being offered, individuals have to assume more of the responsibility in funding their own future in retirement. We are here to help guide and educate you to a secure retirement with our extensive planning experience, strategies and tools. Today, taxes and inflation are making it increasingly difficult for people to save enough money for a comfortable retirement. We will help you identify the most effective retirement planning vehicles for you to maximize tax savings and save the most for retirement. 

According to a recent study, for a married couple age 65 there is now a 50% chance that at least one spouse will live to age 94. This means that you may need to plan for your retirement savings to potentially last 25 to 30 years. One drawback to a longer life is the greater possibility of outliving your savings -creating all the more reason to  make sure you properly plan in advance. A significant loss in the years just prior to and/or just after you retiree could negatively impact the level of income and lifestyle you receive over the course of your life. Why? Because the loss creates a smaller pool of assets left to sustain you throughout your retirement years, and your assets may not have as much time to recover. 

Since company pensions are no longer a primary source of retirement income, over the past decade, solutions like annuities and life insurance have become an important part of investor's personal pension programs. We offer our clients options that can help them reduce taxes, protect against inflation, and provide for a more secure retirement. 

The Annuity Gal


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