Retirement Income (Annuities)
Income-focused solutions for clients who want predictability, longevity protection, and disciplined distribution planning.
For many affluent households, the primary risk in retirement is not return—it is income reliability over time. When appropriate, annuities can play a role in building predictable income, managing longevity exposure, and improving retirement cash-flow stability within a larger strategy.
An income annuity is not about growth.
It’s about certainty.
For high-net-worth individuals, an income annuity is used to convert a portion of capital into a guaranteed, contractual income stream—designed to fund essential lifestyle expenses while the remainder of the portfolio remains invested for growth, opportunity, and legacy.
It functions as a personal pension, created by choice, not by employer.
What we do
1. Income Strategy Design
We start with your income architecture—then determine whether annuities are appropriate within it.
2. Product Fit Analysis (when appropriate)
We evaluate how various annuity structures may support: income certainty, timing, liquidity needs, and risk posture.
3. Implementation & Integration
If selected, we implement with a focus on coordination (benefits, taxes, accounts, and legacy intent).
FAQs
Are annuities only for conservative investors?
Not necessarily. They can be used strategically for income reliability and longevity risk management.
Will I lose access to my money?
It depends on the annuity type and structure. Liquidity requirements are addressed during design.
How we work
1) Income blueprint (spending needs, required income, desired income, contingencies)
2) Risk mapping (longevity, timing, concentration, liquidity constraints)
3) Compare options (including annuity and non-annuity approaches)
4) Implement & coordinate (documentation, beneficiary alignment, review schedule)
What you can expect
An approach designed to reduce preventable mistakes in distribution years. Tax Efficiency (When Applicable)
If funded with non-qualified money, a portion of each payment may be considered a return of principal, reducing taxable income
Qualified (IRA) annuities follow standard retirement account taxation rulesWhen Income Annuities Make the Most Sense
Retirees who want certainty, simplicity, and stability
Individuals replacing a lost pension
People who value peace of mind over speculation
Anyone concerned about running out of money
Disclosures
We do not provide legal or tax advice. Guarantees, if any, are based on the claims-paying ability of the issuing insurer. Annuities may involve fees, surrender charges, and limitations. Product suitability depends on individual circumstances.