Plan for income you can count on
A thoughtful retirement income plan can include multiple sources of income — and strategies to help manage taxes.
Prefer to talk? (513) 908-1010
Planning considerations
Questions every retirement plan should answer
A retirement income plan often includes several sources, such as Social Security, savings, and insurance products like annuities.
Income
How much will you need each month?
Start with your expected living costs and the income sources you already have.
Longevity
How long does it need to last?
Planning for a long retirement helps reduce the risk of outliving your savings.
Taxes
How will withdrawals be taxed?
Including a tax-advantaged source can help you coordinate income and manage taxes.
Market risk
How much volatility can you accept?
Some products offer protection from market loss in exchange for limits on growth.
Access
When might you need your money?
Surrender periods and fees can limit access to funds for a number of years.
Solutions we can discuss
Insurance-based retirement tools
Each has trade-offs. We'll help you understand how they work.
Annuity
Fixed Annuities
A contract that credits a declared interest rate.
- Predictable crediting
- Surrender periods apply
- Can provide income options
Annuity
Fixed Indexed Annuities
Interest linked in part to a market index.
- Protection from index losses
- Gains limited by caps or rates
- Optional income riders may cost extra
Life insurance
Cash Value Life Insurance
Permanent coverage that may build cash value.
- Provides a death benefit
- Cash value can be accessed via loans
- Must be funded and managed properly
Guarantees are backed by the claims-paying ability of the issuing insurer. We provide insurance product information, not investment, tax, or legal advice.
Frequently asked questions
What is an annuity?
An annuity is a contract with an insurance company that can provide income, either now or in the future. There are several types with different features and costs.
Is this investment advice?
No. We provide insurance product information. For investment or tax advice, consult a qualified professional.
Free quote
Request a Retirement Solutions quote
Share a few details and a licensed professional will follow up.
Prefer to talk? Call (513) 908-1010