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Steps to success

A clear retirement income strategy can help you generate sustainable income, manage risk and make your savings last. These three steps can help give you the confidence to enjoy and live retirement to the fullest. 

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1

Use dependable income sources

Use guaranteed and stable income sources1

  • Identify expenses to maintain a basic living

  • Use dependable income sources - like Social Security

  • Add an annuity for additional, guaranteed income (if needed)

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2

Create lifestyle income

Focus on what you want today and in the future

  • Carefully plan a sustainable withdrawal rate that can be adjusted as spending patterns change
  • Apply the principles of a sound retirement portfolio to your investments
  • Manage cash flow using the bucket strategy to help protect savings to use in the future

3

Effectively manage taxes

Keep more of your savings

 
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1 Guarantee, as used in this material, depends upon the ability of the issuing entity to honor and pay the amount you may be entitled to. U.S. Gov’t bonds are backed by the full faith and credit of the U.S. government. CDs are FDIC-insured up to $250,000 per depositor. Insurance and annuity products are backed only by the continued claims-paying ability of the issuing company. It is possible that an issuing entity may not be financially able to meet income guarantee obligations. Guarantees are based on the claims-paying ability of the issuing company.
 These guarantees do not apply to the investment in the annuity, which will vary with market conditions.

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