Income you can count on.
Social Security covers part of the picture. We help you build the rest with guarantees instead of guesses.
20+ years in Deerfield Beach · Licensed Florida professionals · Hosts of Money Talks on the Blue Couch
Income you can count on.
Social Security covers part of the picture. We help you build the rest with guarantees instead of guesses.
20+ years in Deerfield Beach · Licensed Florida professionals · Hosts of Money Talks on the Blue Couch
Three building blocks
Where retirement income comes from
Most retirees draw from three sources. We help you get the most from each—and make sure the total never runs dry.
Fixed & Indexed Annuities
Guaranteed interest, principal protection and the option of lifetime income from an insurance company—not the stock market.
Personal Pension Plan
Turn a portion of your savings into a private pension that pays you—and your spouse—for as long as you live.
Social Security Planning
When you file can change your lifetime benefit by six figures. We walk through the choices before you decide.
Safe Growth: Structured Settlements & MYGAs
For money you will not need for a few years: court-approved structured settlement payments with a fixed 4–6% yield, or a multi-year guaranteed annuity that locks a rate for 3 to 10 years.
Side by side
Which income source does what
Each building block solves a different problem. Most plans use all three.
Personal Pension Plan
Fixed & indexed annuities
Social Security
What it is
Guaranteed lifetime income funded from part of your savings
Insurance contracts that grow safely with a 0% floor
The inflation-adjusted benefit you earned
Principal
Protected; income continues for life
Protected from market loss
Not applicable
Income for life
Yes—single or joint life
Optional lifetime-income rider
Yes
Keeps up with inflation
Optional increasing-income feature
Index-linked crediting
Annual cost-of-living adjustment
Biggest decision
How much of the essential-expense gap to cover
Term, crediting method and liquidity
When to file
What it is
Personal Pension Plan
Guaranteed lifetime income funded from part of your savings
Fixed & indexed annuities
Insurance contracts that grow safely with a 0% floor
Social Security
The inflation-adjusted benefit you earned
Principal
Personal Pension Plan
Protected; income continues for life
Fixed & indexed annuities
Protected from market loss
Social Security
Not applicable
Income for life
Personal Pension Plan
Yes—single or joint life
Fixed & indexed annuities
Optional lifetime-income rider
Social Security
Yes
Keeps up with inflation
Personal Pension Plan
Optional increasing-income feature
Fixed & indexed annuities
Index-linked crediting
Social Security
Annual cost-of-living adjustment
Biggest decision
Personal Pension Plan
How much of the essential-expense gap to cover
Fixed & indexed annuities
Term, crediting method and liquidity
Social Security
When to file
Learn more
Personal Pension Plan
Fixed & indexed annuities
Social Security
General comparison for education only. Guarantees are backed by the claims-paying ability of the issuing insurer. Surrender charges, fees and IRS penalties may apply. Not FDIC insured. Not legal or tax advice.
A fact worth knowing
Social Security replaces less than you think
For a lower earner it may replace roughly half of pre-retirement income; for a higher earner closer to a quarter. The difference has to come from somewhere—and last 25 to 35 years.
Close the gap with the
Personal Pension Plan
We measure your essential expenses against Social Security and any pension, then fund the gap with guaranteed lifetime income. The rest of your money stays free to grow.
Income that cannot run out
- Guaranteed for your lifetime—or both spouses’ lifetimes
- Payments continue no matter what the market does
- Optional increasing-income feature to help with inflation
Hypothetical illustration for education only. Not a specific product or a projection of results; assumes $500,000, $2,500 monthly withdrawals and a hypothetical sequence of market returns. Guarantees are subject to the claims-paying ability of the issuing insurer.
Free consumer’s guide
Annuities: Safe Money Products that Grow & Preserve Wealth
Tell us where to send it and we’ll email the PDF right away. No obligation, no follow-up pressure.
Not sure where to start? Ask us a financial question.
Every situation is different and there is no one-size-fits-all retirement plan. Ask anything—you’ll get a straight answer from a licensed professional, not a sales pitch.