🎯 Retirement Goals:

• Part-time consulting from 62–67
• Fully retire at 67
• Social Security at 67: $3,500/month
• Wants to supplement Social Security with GUARANTEED, market-proof income
• Still wants to keep some money invested for long-term growth

The Challenge: Balancing Growth & Guarantees

Heather didn’t want to abandon the market entirely.

But she did want to create a safety net — a reliable stream of income that wouldn’t fluctuate or crash if the market had a bad year (or three).

She asked:

What if I could grow my money at a predictable rate, and lock in a future stream of income I can count on — no matter what happens?

The Solution: An Indexed Income Annuity

After researching the most competitive annuity products on the market, I found one that offered:

✅ 8% guaranteed growth per year until income starts
✅ Significantly higher payouts than the 4% Rule (about 75% more income for the same investment)
✅ Zero market risk and no loss of control over her money

And it gets even better…

This income annuity allows her to keep control of her asset, without annuitizing (i.e., handing over her money permanently).

That means guaranteed income AND flexibility.

💵 Here’s What Her Guaranteed Income Would Look Like:

• $171,000 invested today = $2,000/month starting at 67
• $428,000 invested today = $5,000/month starting at 67
• $855,000 invested today = $10,000/month starting at 67

This income would last for the rest of her life — regardless of how long she lives or how the market performs.

Why This Strategy Works So Well

By locking in this income, Heather:

• Removes “sequence of return risk” during the critical retirement transition years
• Keeps the rest of her assets aggressively invested (since her income is covered)
• Creates leverage: one segment of her portfolio provides guaranteed income, freeing the rest for long-term growth
• Preserves more favorable assets to leave a legacy for her loved ones (ideally a tax-free one).

The Real Benefits Go Beyond the Numbers:

🔥 More spendable income = better lifestyle
🔥 More peace of mind = less stress about the market
🔥 Less temptation to sell in a downturn = better long-term returns
🔥 Smarter withdrawal strategy = more efficient legacy planning

Final Thoughts

If you’re like Heather — navigating your final working years while eyeing a secure and enjoyable retirement — consider this hybrid strategy.

A portion of your money grows guaranteed, produces guaranteed income, and still gives you room to grow wealth.

It’s not about playing defense.

It’s about creating a predictable income floor, so you can play offense with confidence.