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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.