For Retirees & Pre-Retirees
How can we help?
Four ways we help people at or approaching retirement turn savings into reliable income, protect against care costs, and pass on what's left efficiently.
Lifetime income
Guaranteed retirement income
Turn part of your savings into income you can't outlive. See whether an annuity fits your situation.
Retirement income →
Later-life care
Long-term care planning
Plan for the cost of care before it falls on your family or forces you to draw down the portfolio.
Long-term care →
Legacy
Estate & legacy transfer
Pass on what you've built efficiently, and cover any estate-tax bill without forcing a sale of assets.
Estate & legacy →
Tax strategy
Tax-efficient drawdown
Draw from taxable, tax-deferred, and tax-free accounts in the right order to keep more of what you saved.
Drawdown strategy →
Not sure where to start? Talk it through first. No cost, no pressure.
Being pitched a plan or policy, or already own one? We'll show you the math and tell you straight whether it holds up.
Get a second opinion →What a first conversation covers
Your savings and how it is split across taxable, tax-deferred, and tax-free accounts. Your timeline, at or approaching retirement, and the income you will need. Existing coverage, pensions, Social Security timing, and any annuities or long-term care insurance already in place. And your estate wishes, plus the professionals, CPA, estate attorney, and fiduciary advisor, we would coordinate with.