Income Planning

We think financial planning that focuses on income is the smartest way to make sure your money outlives you.

We Focus On Consistent Monthly Income In Retirement

One of the biggest concerns people face is determining how to generate enough income to fund their retirement. To us, what that really means is that our clients are looking to put a plan in place, today, that will provide for them tomorrow, or throughout the rest of their life once they stop working.

At Life Income we understand the many questions you face and we work with you to develop a plan that creates consistent income throughout your life, no matter how long you live. This is why we call it Planning With Confidence because our goal is to help you approach the later stages of your life with the confidence that comes with having financial security.

By using time segmentation, we work to give clients a stable and predictable stream of income while also giving their assets the opportunity to take advantage of growth. This approach has one goal: to provide income to fund your cost of living at all stages of life and for the duration of your life.

We start by creating predictable monthly income safe from market risk, and over time allow for more growth.

Over the course of your retirement, the level of growth increases because we are able to take on more risk thanks to the conservative approach from earlier stages.

Over the course of your retirement, the level of growth increases because we are able to take on more risk thanks to the conservative approach from earlier stages.

Our approach to planning will result in a plan that is personalized to you and designed to have the following benefits:

Customized

Your financial plan will utilize a time-segmented investment approach that divides your retirement into distinct segments. Each segment has a different investment objective, risk tolerance, and time horizon. The number of segments and time horizon, or length, associated with each segment will be customized for you and your income needs.

Diversified

The diversification* benefits of this type of financial planning are many. By using an income-based approach, your portfolio will be diversified from an investment perspective and risk perspective. Additionally, your portfolio is not only diversified across segments, but also within segments from an asset mix perspective.

Systematized

After each segment is used, we automatically convert the next segment into similar investments as were used in the prior segment. This allows the money you don’t need for a long time to stay invested in the markets and potentially grow. Over long time horizons you can afford to take more risk, which is what this approach seeks to capitalize on for your income for life.

* Diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline.

Work with a Financial Planner Today

Take advantage of a no-cost, no-obligation meeting where we'll learn about your income needs and broader financial goals. Don’t put off planning for your future because today’s income can be used to fund tomorrow.

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