Income Planning

YOUR PARTNER IN CREATING A RETIREMENT INCOME STREAM

   Every financial
   decision has a
   trickle down effect
   on discretionary
   spending, liquidity
   and ultimately
   the legacy you leave.
What is income planning?
The amount of money you accumulate means much less than the amount of guaranteed
income your retirement plan provides you. Increasing guaranteed income will maximize
spending, liquidity and your legacy.

• Tax-efficient access to future income streams
• Maximize distribution rates in retirement
• Insulate against sequence of returns
• Guarantee a larger portion of retirement income stream

Income planning opportunities
• Guaranteed Income Rider within a life insurance policy
• Lifestyle Access Rider
- Allows you access to your death benefit while alive and healthy
• Side-by-Side comparisons against investment alternatives
• Tax Bracket Management
- Analyze the ratio of your client’s qualified vs. non-qualified money
- Roth IRA conversion analysis under new tax law
• Dynamic portfolio of Fixed and Indexed Annuity options
- Over 25 insurance company partners
- Illustrate impact of a high guaranteed distribution rate
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