Gifts That Pay You Income

Charitable Gift Annuities (CGAs) are a great way to make a lasting difference for ministries while receiving tax-favorable income for you, your spouse and your children. Many supporters prefer charitable gift annuities because of their attractive payout rates and their significant impact.

Charitable Gift Annuities

Charitable Gift Annuities (CGAs) are a great way to make a lasting difference for ministries while receiving tax-favorable income for you, your spouse and your children. Many supporters prefer charitable gift annuities because of their attractive payout rates and their significant impact.

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Charitable Remainder Trusts

Income for life for you and your family while reducing your taxes. By using assets or cash to fund the trust, you receive income and an income tax credit the year in which you transfer your assets. The remaining portion of the trust, after all payments have been made, comes to you.

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The Death of the 4% Rule: Why 2026 Retirees Need a New Strategy

For decades, the "4% Rule" was the gold standard of retirement. The idea was simple: withdraw 4% of your portfolio in year one, adjust for inflation, and your money should last 30 years. But in 2026, market volatility and increased longevity have made this rule a dangerous gamble for many Tucson families.

Why the 4% Rule is Failing Today

Modern retirement faces three challenges that didn't exist when the 4% rule was created in the 90s:

Sequence of Returns Risk: A market dip in your first two years of retirement can mathematically destroy a portfolio using fixed withdrawals.
Increased Longevity: Tucson residents are living longer than ever. A "30-year plan" is no longer enough if you retire at 60 and live to 95.
Inflation Volatility: Fixed withdrawals don't always keep up with the real-world cost of living increases we've seen recently.

The Alternative: Building a "Personal Pension"

At GIS, we believe in shifting from probability-based retirement to safety-based retirement. Instead of hoping the market stays up, we use modern annuity structures to create a floor of guaranteed income.

By implementing a strategic income plan, you can ensure your essential expenses are covered regardless of what happens on Wall Street. This allows your remaining assets to stay invested for long-term growth.

Retirement Planning

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Move from Uncertainty to Financial Clarity

Complex financial decisions benefit from experienced and thoughtful execution Schedule a brief date and time to discuss your goals and how we will help.