67-year-old Couple Saves 36.4% Less & Retires with $12k/month

(don’t forget to checkout the video of this case study too)

💾 be sure to save for later 💾

Key🔑 Details and Assumptions

☑️ Michael & Lauren are 67

☑️ Social Security will provide them with $5,500/month at 67

☑️ They already have Long-term Care protection

☑️ They have no goals to leave a tax-free legacy to loved ones

☑️ $12,000/month is their pre-tax retirement income goal

⭐️ Scenario 1: The Traditional Approach ⭐️

☑️ $5,500/month of Social Security Income

☑️ Need an additional $6,500/month from retirement portfolio

☑️ $1.95M needed using The 4% Rule

☑️ Income designed to last for 30 years

☑️ No guaranteed income other than Social Security

⭐️ Scenario 2: Safety-first Income Plan ⭐️

☑️ $5,500/month of Social Security Income

☑️ Still need $6,500/month of supplemental income

☑️ Can take a 7.822% immediate payout with an annuity

☑️ $744k into an income annuity = $4,850/month

☑️ $496k remaining in the market = $1,653/month

🔥 This gives them $12,000 per month as well…

But only requires $1.24M saved instead of $1.95M‼️

That means they can save 36.4% less by using an annuity (or even retire earlier if they’d like).

They’ve also raised the overall income withdrawal percentage of their portfolio by 57.5%….

AND added safety to their overall retirement income plan with guaranteed, lifetime income.

Let’s chat 💬😎