Paychecks & Playchecks:

The Simple Answer to a Complex Problem

80% of spending in retirement is predictable — so why isn’t your income?


The solution to these 3 retirement problems isn’t relying on the outdated 4% rule and hoping your investments hold up.


It’s combining smart withdrawals from investments with guaranteed income — like annuities — to create a reliable plan you can actually live with.


Because when your essentials are covered, your retirement becomes a lot less stressful — and a lot more enjoyable.


We break retirement income into two parts to ensure No guesswork. No stress.


Paychecks:

Guaranteed Income for the Essentials


Think housing, food, utilities, healthcare — the basics.


Sources of Guaranteed Income:

  • Social Security
  • Pensions
  • Income Annuities

Playchecks:

Flexible Growth for the Fun Stuff


Think travel, golf, hobbies, grandkids.


Sources:

  • Growth-Oriented Investment Accounts

Retirement: Transitioning From Growing Investments to Protecting Income


After a career of saving in 401(k)s and IRAs, many retirees never fully plan how to turn their nest egg into a steady income stream. They often rely on the outdated “4% rule” – withdrawing 4% of investments annually – yet experts warn this rule may no longer be safe in today’s environment of low interest rates and longer lifespans.


Most have only worked with advisors focused solely on investments. These advisors (say, the local broker managing your portfolio) may ignore annuities or other insured solutions – perhaps because they aren’t licensed to offer them or don’t want to lose assets under  management.


The end result is no real strategy for turning assets into reliable retirement paychecks, leaving retirees anxious and uncertain.