Retirement Income Strategies
Get Guaranteed Income for Life with Annuities
The Foundation of Your Retirement Income
Most retirees rely on a combination of income sources, including:
Social Security – A steady base, but rarely enough to cover all expenses or life style.
401(k)s & IRAs – Market-driven and subject to fluctuations.
Pensions – Similar to annuities, but with less flexibility and options.
Personal Savings & Investments – Can be unpredictable, especially in volatile markets or lose value due to inflation.
What if you could take part of your retirement savings and create a guaranteed income stream—one that never runs out and never loses value? That’s exactly what annuities can do.
The Problem: The Market is Unpredictable – Your Income Shouldn’t Be
Money can do three things: it can go up, it can go down, or it can stay the same.
If you had a choice, which one would you eliminate?
Most people would stop their money from going down.
With traditional investments, there’s always a risk of market losses. The worst time for a market crash is right before you’re ready to retire and then you have to work a few more years to make that money back!
But with a properly structured fixed or indexed annuity, your retirement savings are protected. You won’t lose money when the market drops.
The Solution: How Annuities Protect & Grow Your Retirement Income
Fixed and fixed index annuities offer:
Guaranteed lifetime income so you never have to worry about outliving your savings.
Protection from market downturns with no risk of loss.
Tax-deferred growth so your money compounds faster.
Optional long-term care benefits to help cover potential healthcare costs.
Think of an annuity as your own personal pension. It ensures your retirement income remains stable—no matter what the market does.
“ The worst time for a market crash is right before you’re ready to retire and then you have to work a few more years to make that money back!”
Who Should Consider an Annuity?
An annuity may be a great fit if you are:
Age 55-80 and looking for a secure, reliable income stream.
Concerned about outliving your savings and needing guaranteed lifetime income.
Interested in protecting your money from stock market downturns.
Seeking tax-efficient growth and future financial security.
Looking for a long-term care solution without traditional LTC insurance.
“We wanted our retirement income to go up with the market, but not down so we worked with Clay and he found a plan that made sense. He got us guaranteed income by putting some of our savings in a better retirement vehicle.”
“We wouldn’t have found the right plan without Clay’s diligence. He answered all our questions and showed us what the different plans would do and wouldn’t do. He made it make sense!”
-Deanna W., Billings, MT
How to Get Started – Lock in Your Retirement Income
We specialize in creating customized retirement income plans to help you:
Protect your retirement savings from market losses.
Generate a guaranteed lifetime income stream.
Plan for long-term care expenses with the right annuity riders.
Contact us today for a free consultation. Let’s create a retirement income strategy that gives you peace of mind.
Types of Annuities We Offer
Not all annuities are the same. We help you find the best option based on your specific retirement needs:
Fixed Annuities – Provide predictable growth with a guaranteed interest rate.
Annuities with Long-Term Care (LTC) Riders – Allow you to access funds tax-free if long-term care is needed.
Annuities with Death Benefits – Certain annuities allow you to pass remaining funds to your beneficiaries, similar to life insurance, ensuring your loved ones receive an inheritance.
Annuities aren’t just about retirement income—they can also help cover future healthcare expenses without draining your savings and provide a legacy for your family.
Schedule Your Personalized Consultation
Our one-on-one consultations are completely complimentary and tailored to your unique financial and retirement planning needs.
Please select a time that works best with your schedule. Due to high demand, rescheduling missed appointments may not always be possible.
Available appointment slots are shown in blue.
Consultations can be conducted over the phone or in person for local clients.
If you need an appointment outside of the listed times, please call or text 855-701-7113 for availability.
We look forward to assisting you in securing your financial future.
“The key to financial freedom and great wealth is a person’s ability or skill to convert earned income into passive income and/or portfolio income.”