There Is A Retirement Strategy Most Advisors Haven’t Even Looked At — And Why It Changes Everything.
If you’ve ever wondered why some retirees glide through market crashes without losing sleep… …while others (even high-net-worth families) quietly panic behind closed doors…
Then what I’m about to share with you will flip a switch in your mind you can’t un-flip.
I just released a new White Paper that reveals — with real math, real examples, and real retirement-planning models — why guaranteed income-for-life products are quietly becoming one of the most powerful tools in retirement planning today. And why most advisors still aren’t using them.
Why This Is a Must-Read – for Non-Affluent and Affluent Alike
If you’re not affluent: You’ll see exactly how one bad year in the market can destroy a “perfectly planned” retirement.
In fact, on page 9 of the White Paper, a typical couple runs out of money 8 years early because of ONE negative-return year right after retirement—even though their plan showed years of smooth, predictable growth.
But the moment guaranteed income is added? Their ending legacy jumps from $0 to $725,000, even with volatile markets. (See page 11.)
This isn’t theory. It’s math.
If you’re affluent: This is where it gets shocking. Most affluent clients are told, “You’ll never run out of money — you don’t need guaranteed income.”
Yet the White Paper proves the opposite.
In the affluent example (page 21), adding a guaranteed income rider:
Eliminates the risk of running out of assets.
Increases the projected legacy dramatically — as high as $6.858 million with a more growth-oriented allocation safely supported by guaranteed income.
In other words:
Guaranteed income products don’t limit wealth — they have the potential to multiply it.
Why Most Advisors Haven’t Told You Any of This
I’m not here to beat up the industry. But here’s the reality (supported throughout the paper):
- Many advisors simply aren’t trained on guaranteed income riders (page 2). They weren’t historically taught how they work, how they’re modeled, or when they change outcomes.
- Others rely heavily on Monte Carlo simulations — which look scientific, but the smooth “95% likelihood” line has a literal 0% chance of happening in real life (page 7).
- Many advisors never model sequence-of-returns risk properly—despite it being the #1 destroyer of retirement plans (page 4–5).
- Even the advisors who do use income riders often assume they’re “not for affluent people.” The White Paper demolishes that belief with irrefutable math (page 13).
It’s not malice. It’s simply the limits of traditional industry training.
When advisors aren’t armed with the right tools and the right modeling software…
They can’t show you what they’ve never been shown themselves.
The 8.5% Compounding Shock That Changes Everything
Page 13–15 reveal something almost nobody knows: Today’s best riders allow benefit base values to compound at 8.5% guaranteed for 10 straight years. Most investors would kill for that — but think they have to gamble in the market to get it. This paper shows how that guarantee affects:
- Income stability
- Portfolio construction
- Asset longevity
- Legacy potential
Once you see these calculations, you can’t go back to “hope and pray” retirement planning.
This Isn’t About Selling a Product — It’s About Seeing What’s Been Missing
I put this White Paper together for one reason:
- When people finally understand the math, guaranteed income is no longer a “maybe.”
It becomes the foundation everything else is built upon.
- Retirement becomes clearer
- Safer
- More predictable
- And for affluent families — far more efficient
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