Is it possible to get a steady, “pension-like” retirement income and feel more confident in your plan WITHOUT using a traditional annuity?

• If you’re somewhat conservative and love predictability keep reading. If you’ve ever said “I’d love to just get a 5% return consistently” you should keep reading. If you love the idea of “pension-like” income or “dividend” income keep reading.

• You can learn 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 strategy that I use for some of my clients that has potential to grow to the upside with the stock market while having a “worst-case” floor of income built in (right now it’s at 5% but I can’t guarantee it’ll stay that way forever).

• It’s not the only strategy that exists for a solid retirement income plan, but it works out phenomenally well for the right (pre)retirees.

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 do you do when you like the sound of “steady, pension-like income” but want to avoid all of the negative things that come along with a traditional annuity?

Money markets? Bonds? Dividends?

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

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 also 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.”

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

If it were a good strategy 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 volatility

If I just described how you feel as you’re approaching retirement, this could be one solution that changes the game for you.

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 prescription without a diagnosis.

I’m a fee-only, fiduciary advisor and I don’t work for any specific company (except my own- Earls Financial). So, I’m not pitching a specific product to you here.

I’m merely wondering out loud (with you) whether the strategy I have in mind might work for your specific situation.

There’s actually a better strategy for many (pre)retirees — I outline that framework in my wealth preservation guide. You should scroll down to the footer of my website and download it now.

BUT, there are a lot of (pre)retirees with the same problem: how do I get a steady retirement income while working to make sure inflation doesn’t erode my purchasing power over time?

For these folks, steady income (with a slice of their portfolio) allows them to feel more confident in their plan.

And the way to get steady, pension-like retirement income is by texting or calling 469-200-2593. Just tell me you want 5%. I’ll send you free information and invite you to a free discovery call to see if it might be a good fit for you.

There’s no obligation to work with Earls Financial. I’ll never pressure you into something you don’t want. I’m a fiduciary and advocate for my (pre)retiree clients, so my goal will be to see if this might be a good fit for your situation. All you have to do is text 469-200-2593 to get started. I’m looking forward to connecting with you.

Best,

Ben

Benjamin Earls, CFP®

CERTIFIED FINANCIAL PLANNER® PROFESSIONAL