Retirement is an income problem. Not a pile-of-money problem.
Protected retirement income strategies for pre-retirees and retirees in northern Michigan.
The five-years-out problem
The last five working years and the first five retired years are the ones that decide everything. A bad market in that window, a withdrawal plan built on hope, a tax bill nobody modeled. That’s how comfortable numbers turn into nervous ones. You don’t get those years back, and you shouldn’t have to gamble them.
The shift
A pile of money is not income. My work is converting what you’ve saved into guaranteed, predictable income that doesn’t go backward in a bad market and doesn’t run out. Fixed indexed annuities with principal protected by contract. Life insurance structures with tax-advantaged access under current law. A plan where the market can have a bad year and your retirement doesn’t.
Already own a policy or annuity?
Someone sold it to you years ago. Is anyone watching it now? Allocations sit in defaults, caps drop at renewal, beneficiaries go stale. I review it free and tell you in plain English what you own and what it’s doing.
The book
I wrote The Owner’s Blind Spot for business owners, but the second half is for anyone retiring: the tax bill you may not have to pay, and how to turn assets into income that lasts.
One call. We look at what you have, what it needs to produce, and whether it’s built to last. You keep the numbers either way.