Create a Retirement Paycheck You Can't Outlive
Find your monthly income gap and explore insurance-based strategies designed to cover essential expenses, so the rest of your portfolio can stay invested for growth, flexibility, and legacy.
No contact information required. Takes less than five minutes.
Hope Is Not a Retirement Plan
You've spent decades saving. But a retirement account is not the same as a retirement paycheck.
These bills do not pause when the market dips. You need a plan for turning savings into guaranteed income.
The Retirement Question Nobody Is Asking You
How much of your monthly retirement income is guaranteed for life?
An investment plan and a retirement income plan are not the same thing.
Investments help grow your savings. A retirement income plan determines how those savings will support you month after month.
For most of your working life, your paycheck arrived on schedule. Retirement should not mean trading that paycheck for a series of uncertain withdrawals.
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Your advisor may not focus on retirement income
Your advisor can continue managing your investments while an income specialist helps create a more dependable retirement paycheck.
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Social Security may not cover the full bill
Social Security provides an important foundation, but the rest of your monthly expenses must come from other income or savings.
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The market should not decide when you retire
A downturn near retirement could force you to delay, spend less, or withdraw money while account values are down.
The first step is not buying anything.The first step is knowing your income gap.
I Lost 25% of My Retirement Savings. Twice.
That is why I believe a portfolio alone is not an income plan.
After 30 years in financial services, including two market crashes that each cost me a quarter of my savings, I stopped asking how much I could make and started asking how much income I could guarantee.
You do not have to learn that lesson the hard way. You can find out exactly where you stand. You can cover your essentials with income that doesn't depend on the market. You can stop wondering and start knowing.
That is the plan I help Texans build every day.
What an Income Plan Actually Looks Like
An income plan starts with one question: what will it cost you to live your life in retirement, every month?
Illustrative example only. Your numbers will vary.
The difference between what you need and what you have guaranteed is your income gap. That gap is what we are solving for.
Here is where most people stop.
They assume the gap has to come from their portfolio. It doesn't have to.
A portion of your retirement savings can be converted into a Pension Strategy, a guaranteed monthly income stream that covers your essential expenses for life, regardless of how long you live or what the market does. Not all of your savings. Just enough to close the gap.
With a Pension Strategy, You Are in Control
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You lock in the amount
Cannot be reduced by Congress
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You decide when income starts
Cannot be delayed by a change in retirement age
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Not subject to political decisions you have no control over
Social Security is your baseline income. Your Pension Strategy builds on top of it. Together they create an income foundation that no market downturn, no political decision, and no change in retirement rules can take away.
What that does to the rest of your portfolio is remarkable. It no longer has to carry the full burden of your lifestyle. It can stay invested. It can recover from downturns. It can grow and be used for the things that make retirement genuinely enjoyable.
Travel. Family. Home. The causes you care about.
Three Steps to Your Own Pension
Simple, transparent, and always at your pace.
1. Calculate Your Gap
Know exactly how much monthly income you're missing.
2. Explore Your Options
Discover different ways to close your income gap.
3. Create Your Own Pension
Build a dependable retirement paycheck that fits your life.
Retire With Confidence
When guaranteed income covers your essential expenses, everything changes.
- Spend without second-guessing.
- Stop worrying about market swings.
- Trust your paycheck to last a lifetime.
Do You Know Your Income Gap?
Most people never calculate it.
Without that number, you are guessing, and guessing usually leads to one of two outcomes:
- Working longer than you planned
- Spending less than you hoped, right when you finally have time to enjoy it
No personal information required.
No obligation.
Just your number.
Free. Anonymous. Takes Less Than 5 Minutes.
Calculator results are illustrative only and will vary based on user inputs. For informational purposes only.
Same $40,000 Income Gap. Two Different Retirement Jobs
Both begin at age 55 with $500,000 saved. Neither way is wrong, they just organize their money differently.
Her portfolio has two jobs.
- Age 55: $500,000 stays fully invested
- Age 65: Grown to $1,000,000
- Same year: $40,000 a year must come from the portfolio
- The portfolio's job: create the paycheck AND keep growing
Every paycheck depends on what the market is doing.
Her portfolio only has one job: growth.
- Age 55: $266,586 goes to her Pension Strategy. $233,414 remains for growth and flexibility.
- Age 65: Remaining portfolio grown to $466,828
- Same year: $40,000 a year, guaranteed by the Pension Strategy
Her retirement paycheck is separated from market withdrawals.
Hope's dollars do two jobs at once. Helen's do the same two jobs, just divided ahead of time. Neither is wrong, and depending on the market, either sister might end up with more money. But more money was never the goal. Dependable income was, income the market can't touch. Guarantee the bills. Enjoy the rest.
Schedule Your Retirement Income Consultation
No obligation, no sales pitch. Just a straightforward conversation about your retirement income picture.
The call works best when you come with a general sense of your monthly essential expenses and your guaranteed income sources like Social Security or any pension. If you have already used the Income Gap Calculator you are already prepared.
Prefer to reach out directly? Email admin@createyourownpension.org