Lifetime Income Stream

What is “Mailbox Money”?

It’s the kind of income that shows up like clockwork month after month, no matter what the market is doing. For retirees, that steady stream of passive, stable income often comes from sources like pensions, annuities, or well-planned investment strategies.

If you're nearing retirement, or already there, this kind of dependable income can be the key to peace of mind. Contact us for a complimentary retirement income review and let’s build your Income Floor together.

The Retirement Risks You Can’t Ignore

A successful retirement plan needs to account for more than just how much you’ve saved. It also needs to help you navigate these common risks:

• Longevity: There’s a 50% chance that one spouse in a couple will live to age 90.
  
  
• Inflation: Over time, rising costs can eat away at your purchasing power.
  
  
• Market Volatility: Market downturns can disrupt your income just when you need it most.
  

Introducing the Income Floor Strategy

One way to protect your financial future is by creating an Income Floor—a base level of income designed to cover your essential living expenses, no matter what. Your Income Floor is made up of guaranteed sources of income, such as:

• Social Security
  
  
• Pensions (if available)
  
  
• Fixed annuities

With a solid financial foundation for your retirement, your basic needs are always covered—even if your investment accounts fluctuate.

How Fixed Annuities Help Fill the Gap

Many retirees face an income gap. Fixed annuities can help fill that gap with benefits like:

• Principal protection during market downturns
  
  
• Guaranteed lifetime income you can’t outlive
  
  
• Financial confidence and peace of mind

When used to support your essential expenses, fixed annuities help create a retirement income plan that’s both reliable and resilient.