Guaranteed, Lifetime Income is the Ultimate Safety Net in Retirement.


“I want guaranteed retirement income but I don’t want to lose any principal”. 

If you are tired of seeing your retirement assets whipsawed by the market, there are alternative solutions to eliminate risk.

People want guaranteed, lifetime income as they transition into retirement. Which is better in retirement, asset accumulation or guaranteed, lifetime income? In my opinion, for most people, it is both. Before retirement, we focus on growing our assets because time is on our side while we are still earning income. It also benefits us because more assets means more future income. It is why the income base component of an indexed annuity is so important.


Decumulation is a fancy word for the distribution phase of retirement. Is it advantageous to remain focused on asset accumulation, in retirement? More and more economists and retirement professionals are suggesting that we change our focus from asset accumulation to asset protection and guaranteed, lifetime income. Professors and economists have begun asking us to re-think the conventional wisdom concerning asset accumulation versus lifetime income. Like everything in financial planning, each person’s circumstances are unique and it is this uniqueness that drives individual product decisions. Factors such as succession and health all play a role in how much of our retirement assets should be converted to income. This is why many people use the assets in their IRA to purchase income contracts. Once this has been determined, using the right annuities is important:

You can reach us at 561-869-4500 or email Ted to arrange for a complimentary consultation. If you are tired of seeing your retirement assets being whipsawed in the markets, let’s talk.

Also published on Medium.


Ted Bernstein

Dedicated to helping people create the ultimate retirement security and protection plan to safeguard their families and businesses. I stress guaranteed income solutions, indexed annuities and state of the art wealth preservation strategies. As the innovator of life insurance products without commissions, my recommendations are impartial, objective and always in the best interests of my clients.

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