Lifetime Income Planning

Your Paycheck Shouldn't Stop at Retirement.

Turn a lifetime of savings into income you can plan around.

For the past few decades, you’ve had a rhythm: Money comes in, bills get paid and whatever’s left goes toward the future. Retirement changes that rhythm — and now the paycheck you’ve counted on has to come from somewhere else.

At Endependence Financial, we help answer the questions you’re asking about retirement: How much can you spend each year? Which accounts should you draw from first? What happens to your income if the market drops or if one spouse outlives the other? We also help you build income strategies designed around your life and the people who depend on you.

A Written Plan You Can See

Most retirees don’t have one source of income. Instead, they have several — and how those pieces work together matters as much as what’s in each one. We’ll help you look at income distribution from all accounts as part of a single strategy rather than separate decisions.

What that includes:

A written income plan mapped to your retirement timeline
Making sure essential expenses are covered first
Secure online access to your plan, available whenever you want it
A clear picture of where each dollar of income comes from and when
Sequencing withdrawals across taxable, tax-deferred and tax-free accounts
Social Security claiming considerations for you and your spouse
Federal employee pension and survivor benefit elections

Stress-Testing Before It Matters

A plan that only works in good markets isn’t much of a plan. We run simulations and stress testing to see how your income strategy holds up across a wide range of market conditions. We’ll also help you identify gaps and consider strategies that may help keep your income intact when life doesn’t cooperate.

We look at:

How your income fares across a range of market conditions
What happens if markets decline in your first years of retirement
How your plan adapts if you live longer than you expect
How income continues for a surviving spouse
Gap analysis to pinpoint potential risk in your current strategy
Disability insurance as part of income preservation
Healthcare and long-term care costs as they affect your income needs

A Plan That Keeps Up With You

Retirement lasts decades. Markets move, tax laws change and your own priorities shift. We monitor your income plan and adjust as conditions change, so the strategy you built before retirement still fits in your later years.

You’ll get:

Regular reviews of your income plan against actual spending
Adjustments as markets, tax rules or personal circumstances change
A relationship with an advisor who knows your plan and your priorities

Let’s put your income plan on paper today.

We are Accepting New Clients

Retire Wise: Your Road Map to End Dependence

Do you believe these 5 annuity myths?

In this guide, we address common misconceptions about annuities to help you decide if an annuity might be right for you, including:

Annuities make accessing money impossible.
Annuities are too complicated to understand.
Savings are enough — why an annuity?

Download for free, no contact information required!

Still Have Questions?

Call us:
1-888-321-RETIRE
Email us:
[email protected]

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