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Income for Life · Tucson, Arizona

The One Risk You Can’t Diversify Away: Outliving It.

Markets you can plan around. Living longer than your money is the risk that undoes retirements. A guaranteed income floor — a personal pension that covers your essentials no matter how long you live or what markets do — is what lets the rest of your plan breathe. We help you build one, alongside your CPA.
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Global Investment Strategies

One floor, seven moving parts

Pick a piece. See how it holds up the rest.

Why a floor changes everything

The same portfolio behaves differently with a floor under it

It isn’t only about the money — it’s about how you’re able to live. Guaranteed income under your essentials changes the decisions you make, especially when markets turn.

Portfolio alone

  • Every market drop threatens the income you live on
  • A bad early year can force selling investments at a loss to pay bills
  • You under-spend out of fear, or over-spend out of hope
  • Peace of mind rises and falls with the market
  • Longevity is a worry with no ceiling

Floor plus portfolio

  • Essentials are covered by income that doesn’t move with markets
  • A downturn hits the investments, not the grocery money
  • You can spend confidently, because the basics are guaranteed
  • The rest of the portfolio can stay invested and ride it out
  • Longevity risk is transferred, not carried

The market didn’t change. What changed was how much of your life depended on it.

Guaranteed income refers to annuity contracts, whose guarantees depend on the claims-paying ability of the issuing insurer.

Income for life questions

Frequently asked questions

The most common way is a lifetime income annuity — you convert a portion of your savings into a contract with an insurer that pays you a set amount for as long as you live. It works like a personal pension. The guarantees depend on the claims-paying ability of the issuing insurer, which is why the choice of carrier matters as much as the product.
An annuity is one tool; our work is the coordination around it. We help you decide how much guaranteed income you actually need, which portion of your savings to use, how it fits with Social Security and your investments, and how it affects your taxes and your legacy — alongside your CPA. The product is the easy part; the fit is the work.
That's exactly the risk a lifetime income stream is built to solve. With a properly structured lifetime annuity, the payments continue for as long as you live — even if that's far longer than average, and even if the original premium has been fully paid out. You've transferred the longevity risk to the insurer.
Usually, in part — and that’s the central tradeoff. Guaranteeing income typically means committing that portion of principal, so it’s not fully liquid anymore. That’s why we only ever use a portion for the floor and keep the rest available for growth and the unexpected. Over-committing is a real mistake we help people avoid.
Yes. Joint-life options are designed to continue payments to a surviving spouse, often for their lifetime. It usually means a somewhat lower payment while both are living, in exchange for protection that the income doesn’t stop when one spouse passes. Whether that trade is worth it depends on your situation.
It depends how the income is structured. Some options maximize your lifetime income and leave little behind; others include death benefits or period-certain terms so a remaining balance passes to heirs. Because income and legacy are the same money at different stages, this should be decided together with your estate plan — which we’re glad to help coordinate.

Put a floor under your retirement

See what your income floor could look like

No pitch and no product. A private conversation about how much guaranteed income you actually need, what portion of your savings it would take, and how it fits the rest of your plan — coordinated with your CPA. You leave with clarity, whether or not you ever work with us.

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No obligation · Coordinated with your CPA · Tucson, Arizona