Case Studies

Ready to retire securely? You have spent a lifetime working hard, saving, planning and even worrying about accumulating enough money for a comfortable retirement. Whether you are retired or about to retire, now is the time to create a plan that ensures you don’t run out of money while maximizing income generated from your assets. You’ll learn the secrets to a secure portfolio that your banker or broker don’t want you to know.

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A 70 year old male who sold his business was concerned with exhausting his nest egg in less than ten years due to his income requirements.  Several scenarios were develop to show various income levels and principal funding to last 20 years which is his life expectancy.  He gets the income he needs, and his principal balance is recovered instead of zero.  He will still have his assets to derive income from in case he lives beyond the 20 years.  His son and daughter will receive the proceeds of his estate–probate free.

A recently retired couple were concerned with the losses endured in their brokerage account and low returns on CDs which also created taxes on money there were not using.  After thorough determination of concerns and priorities, an income plan was developed which stabilized and doubled the amount of money they were receiving from their stocks and bonds, while enabling them to avoid further losses.  Not only is theIr income predictable, but so is their account balance.  In 10 years they are able to recover their original principal placed in the plan, and start all over again with a secure income solution.  A benefit for their children is assurance of a legacy since the accounts in the estate will not be depleted.

A 65 year old woman, was concerned that she had very little saved for retirement.  Using the lifetime income features avail with modern annuities, she will be able to double her income account value in 10 years while in deferral which would allow her to receive nearly $3600 per year in income for life while providing provisions for twice the income during an illness, hospitalization or nursing home stay.