Retirement income you can count on,
no matter what the market does
Most retirement plans are built to grow money. Ours is built to protect your ability to spend it.
If you're within a few years of retirement or already retired, one of the biggest risks to your plan isn't simply having a bad year in the market. It's having that bad year at the wrong time. This is known as sequence-of-returns risk, and it can have a major impact on how long your retirement savings last.
A different approach to retirement income.
We help create a foundation of guaranteed, contractual income for essential expenses, while your remaining assets can stay positioned for long-term growth.
Why This Matters
A market downturn early in retirement can permanently damage a portfolio in a way the same downturn wouldn't if it hit ten years into retirement. Once you're withdrawing income, you don't have time on your side to wait for a recovery. Most financial plans don't account for this. Ours starts there.
Our Approach, Briefly
This isn't a "buy and hold and hope" approach. It's a plan built around what retirement actually requires: predictable income, first.
Secure Your Income
Secure your income. We identify what your essential expenses actually cost and build guaranteed, contractual income to cover them—income that doesn't depend on market performance and lasts for as long as you do.
Put Growth Assets to Work
Money beyond your income needs is actively and tactically managed, with the flexibility to move defensively when conditions call for it. The goal is to grow your non-income assets while minimizing risk. Not just the typical buy-and-hold approach.
Build in Flexibility
No matter how good the plan, life happens, and chances are you will need to make adjustments down the road. We'll be here to help you manage necessary changes and stay on track for the long haul.
Who We Work With
We work with pre-retirees and retirees who've built real wealth and refuse to bet their retirement income on the market's timing. If you want certainty on essentials before you take on growth risk, this is built for you.
Testimonials
"A huge relief."
"Our advisor at Secure Retirement Planners helped us put together a detailed roadmap for our retirement. It has been a huge relief to finally have clarity about the future."
J. Siggard, UT
"Peace of mind."
"The world feels a bit chaotic these days, and having the assurance that our retirement is secure has given us enormous peace of mind. We'd recommend this process to anyone looking to plan a solid retirement."
B. & A. Reynolds, UT
"An in-depth, no-pressure process."
"Our advisor guided us through an in-depth, no-pressure process that enabled us to craft a retirement plan tailored for our precise situation."
C. Stephens, UT
Frequently Asked Questions
Q:
1. What makes your approach to retirement planning different?
Most plans are built around accumulation — grow the portfolio, hope it lasts. We build around income first: identify what your essential expenses cost, then cover them with predictable, contractually guaranteed income before any growth assets come into play.
Q:
2. Why do you use annuities as a core part of the plan, not just an add-on?
Because they guarantee income regardless of markets—something bond portfolios can't do. The real risk isn't average returns over 30 years; it's a downturn in the first few years of retirement, compounded by withdrawals, that permanently impairs a portfolio. An indexed income rider annuity removes that risk from your income entirely. It's the tool built for the job, not a fallback.
Q:
3. What happens to my money if the market drops right after I retire?
That's the exact scenario the plan is built for. Essential income is covered by contractual guarantees, not market performance. Growth assets stay exposed to markets but are managed actively—including moving to cash when conditions warrant—so you're never forced to sell depreciated assets to cover expenses.
Q:
4. Are you a fiduciary?
Advisory recommendations are made under a fiduciary standard. Insurance and annuity recommendations are made under a best-interest standard consistent with state insurance regulations.
Q:
5. How do you get paid?
A mix of commissions on insurance and annuity products and fees on managed assets, depending on which parts of the plan apply to you. It's disclosed upfront and doesn't change the recommendation.
Q:
6. Who is this approach best suited for?
Pre-retirees and retirees, generally with close to $1M+ in investable assets, who want essential expenses covered with certainty before taking on portfolio risk. If you want pure buy-and-hold market growth, this isn't the right fit.
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This material is provided for educational purposes only and does not constitute individualized financial, legal, or tax advice. Investment strategies involve risk, including possible loss of principal. Availability of strategies depends on individual suitability and applicable regulations. Insurance products, if applicable, are issued by properly licensed insurance companies. Guarantees are based on the claims-paying ability of the issuing insurer.