Everyone should have a financial plan.

“Retirement” is a life stage rather than an event, so that plan should reflect expecting and unexpected events that may come your way. We help you craft a holistic plan considers all of your assets — savings, pensions, Social Security benefits, and other assets — and all of the phases of your retirement to determine how to meet your income needs throughout your retirement. Research shows that individuals who have a plan for retirement end up doing better, and feel more secure and confident throughout retirement.

Our holistic plan examines your situation and helps you know what to do if circumstances change in the future. Our planning process is simple. We have created a dynamic tool that changes as situations require, and explores the best possible outcomes for you given your circumstances. The result is a robust, fulfilling retirement.

We see your retirement plan as a balance between Resources and Standard of Living:


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Ruth was concerned:

Would her savings be enough to last her full retirement?

Then she got an Income StrategyTM:

By coordinating her savings with when she started Social Security - and by reducing taxes - Ruth's savings will last about 15 years longer.

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Ruth is a fictional representation of an actual retiree. The numbers involved in her case study are real.

Your plan should be:


It considers all your retirement resources and accommodates your goals.

Dynamic and ongoing

A plan is not a transaction; it is a living tool that changes with you.


You need to understand your plan; it must be simple.


You should be optimistic no matter how much money you have because you’ve explored and selected a plan that best fits your goals and risk tolerance.

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Get more, keep more of the retirement income you’ve worked so hard to save with Income Strategy.