Can you get steady, “pension-like” retirement income WITHOUT using a traditional annuity?

  • If you love the idea of income predictability but don’t get a great feeling when you hear the word “annuity,” click on the button below to get my email course

  • You’ll see how to avoid all of the negative things that we hate about traditional annuities: 1) high commissions 2) surrender periods 3) loss of flexibility with the funds

  • You’ll learn about an investment that has potential to grow to the upside with the stock market while having a “worst-case” floor of income built in.

  • It’s not the only solution to THE most critical retirement income question — but it works out phenomenally well for a slice of my practice.

I don’t blame you for cringing a bit when you hear the word “annuity.” There’s a lot of baggage with that word.

I’ve seen client after client have a strong visceral reaction when annuities are brought up.

As a person that prides yourself on making smart moves, you’re (rightly) skeptical of an investment vehicle that can come with:

1) High commissions

2) ‘Surrender’ periods

3) A loss of flexibility with the funds

It’s hard to argue with you about the 3 points above. I don’t like any of those things either. So I don’t advocate for any of them.

But I do have clients and potential clients that say to me all the time: “Ben, I don’t need huge returns — I just want a steady income. I want stability and predictability. I want something like a pension where I don’t have to worry.”

So what is the (pre)retiree to do when they like the sound of “steady, pension-like income” but they want to avoid all of the negative things that come along with a traditional annuity?

Money markets? Bonds? Dividends?

Well what if I told you that you could have contractually guaranteed income for the rest of your (and your spouse’s) life without using a traditional annuity?

What if you knew this steady, pension-like income was available to you without handing over your money to an insurance or annuity company to put on their books?

What if I also told you there was:

1) No commission

2) No surrender period

3) Flexibility to jump in and out of it at any time

And it’ll sound crazy, but what if I further told you that you have the ability to invest that money for growth and it could potentially end up with a larger account value than what you put in?

I promise you this kind of investment does, in fact, exist. I’ve had clients say “it’s a blessing” and “it seems too good to be true” about it.

Look, I’m not here to say it’s a perfect solution to your retirement income problem, but it sure does work out well for a segment of my retirement income planning clients.

If it were going to work for your income plan, you’d probably look like this:

1) You’re somewhat conservative

2) You like predicability and the sound of “pension-like” income

3) You know you should put money to work instead of letting it sit around doing nothing

4) But you find it hard to just “ride it out” when the stock market is going through periods of (normal) ups and downs

If I just described how you feel as you’re approaching retirement, this could be one solution to THE most critical retirement income question all (pre)retirees should be asking themselves.

There are other solutions as well. This one isn’t the only thing I do.

If you were my client, I would ask a lot of questions to see what you need. I wouldn’t give a diagnosis without the prescription.

BUT, there are a lot of (pre)retirees with the same problem: how do I get a steady retirement income while making sure my money also grows over time?

The way to get steady, pension-like retirement income without using a traditional annuity is by texting or calling 469-200-2593. We’ll set up a free intro call or zoom and we’ll talk through it.

There’s no obligation to buy and I’ll never pressure you into something you don’t want — I’m a fiduciary and advocate for my (pre)retiree clients. Just text 469-200-2593 to get all of the details.

Best,

Ben

Benjamin Earls, CFP®

CERTIFIED FINANCIAL PLANNER® PROFESSIONAL