Introducing Your Stable Lifetime Income Plan
A time-tested way to grow and preserve your principal and achieve a steady retirement income
Curious About the Best Way to Save for Retirement?
Worried about running out of money?
Your Stable Lifetime Income Plan
addresses these issues with steady payments that continue for the rest of your life.
INTRODUCING
Your Stable Lifetime Income Plan
Your Stable Lifetime Income Plan
Your Stable Lifetime Income Plan is a retirement savings strategy that uses annuities that provide a steady income while also protecting your income from the market and longevity risks that come with investing.
How It Works
How It Works
We work with insurance companies that guarantee income from an annuity. They make a promise to provide you with payments that won’t change based on how long you live or whether a market crash occurs.
Your Stable Lifetime Income Plan provides you with a strategy utilizing these guaranteed sources of income and principal growth to help fit your retirement needs, including the ability to receive increasing payments. We understand that preparing for retirement should include a strategy that offers the potential for income increases.
Why You Should Consider It
Guaranteed Income Vs. a
Pot of Money
Pot of Money
We believe a retirement planning strategy designed to achieve a guaranteed income for life is smarter than one designed to amass a big pot of money.
And Robert C. Merton, a Nobel Prize winner in Economics who is also a Professor of Finance at the MIT Sloan School of Business agrees!
The Crisis in Retirement Planning
“More dangerous yet is the shift in focus away from retirement income to return on investment. The primary concern of the saver remains what it always has been:
Will I have sufficient income in retirement to live comfortably?
Redefining Retirement: Shift the focus of retirement planning from amassing the biggest pot of money possible to guaranteeing more retirement income for life.
Retirement plans are primarily restricted to stocks, bonds, and mutual funds. The problem is that these kinds of investments cannot deliver security concerning income. New regulations implemented by the Department of Labor, Treasury Department and the Council of Economic Advisers allow consumers to add financial products to IRA’s, 401k’s
and other retirement accounts that guarantee lifetime income and guard against longevity risk.”
The above is an excerpt from Merton’s article in The Harvard Business Review entitled
“The Crisis in Retirement Planning” …
Guaranteed Income for LifeYou Should Consider It In Retirement
These annuities provide a guaranteed monthly annuity income stream
to help sustain your retirement no matter how long you live or what’s happening with the financial markets.
How the Guarantee Works
Guaranteed income involves a well though out strategy. Your retirement is too important to leave in the hands of any company that doesn’t have billions of dollars of capital to help protect your retirement income. Our role is to help you feel confident in your retirement, which is why we work with the largest, oldest, and highest-rated insurance companies to provide the guarantee.
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The guarantee on your retirement income is based on the strength of the company issuing your contract. Your retirement is too important to leave in the hands of someone who is not experienced with providing retirement income strategies. We do our due diligence to help ensure that the companies we work with are able to provide these guarantees.
Why We Work With Insurers
Again, we put a lot of consideration into the insurance companies we contract with who provide the guarantees because insurance companies are experts at managing risk.
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With a fixed indexed annuity, you make a payment, or series of payments to the insurance company who will then provide you with a monthly income amount that starts at a certain age and continues for the rest of your life. This risk transfer helps protect you from two key risks that come with today’s investment-centric approach to retirement: longevity risk and market risk.
Your Stable Lifetime Income Plan provides you with the knowledge that you will not outlive this steady stream of income.
What's the
Trade-off?
Trade-off?
When you choose to receive your retirement income from an annuity instead of the stock market, you trade the potential for higher market returns and volatility you could experience in stocks for principal that is protected from declines in the market. You receive the more moderate growth potential of the annuity along with steady future income, yet without all the market risk.
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Let’s Talk About Your Retirement Plan
Let the retirement planning experts at Bronwealth show you how you can receive a guaranteed income for life.
