Retirement Puzzle of Epic Proportions!
Nicky Derouen
President of Marketing and Business Development at Universal Producers Group
When it comes to developing your retirement strategy…
You’re not alone.
You see, in the past, creating a retirement strategy was generally simpler and involved fewer choices than now.
In the past, you worked for 40-45 years, you saved money, and then you lived off that money for a few years or a couple decades during retirement.
But things have changed.
For many retirees…
Some retirees’ assets have been reduced because of unemployment.
Pensions are rare.
And if you have a good chunk of money in your retirement nest egg… you might be able to stretch out your assets to last you a good 10-20 years into retirement.
But what if you live an extra 5, 10, 15, or 20 years beyond what you originally expected?
It’s not unheard of people living to be 85, 90, 95, and even over 100-years-old now-a-days!
Life expectancy is going up fast, but the way we look at retirement income planning nowadays has (at least for many of us) remained pretty stagnant.
Inflation, recession after recession, and painfully low interest rates are not helping.
And the “pennies in the milk jug” plan of your grandparents probably isn’t going to work for you, either.
In fact, one recent survey revealed that 84% of aging American citizens say that sustaining a monthly income after they stop working is important to them.1
Nearly half (48%) say that having enough guaranteed* income to cover their retirement costs of living – which many estimate low, at less than 75% - should be their primary retirement strategy.
What’s telling is that in this same survey, only 14% of interviewees had purchased an annuity to help supplement their retirement strategy and 65% were completely unfamiliar with the concept of annuities, ”…which are the only sure way besides Social Security or a pension to guarantee* a steady stream of income in retirement,” says the study.1
For many people, annuities may be a very realistic answer to their retirement income problem.
And if you don’t have a pension, can’t count on a big Social Security benefit, and don’t have enough accumulated money, an annuity is one way to help guarantee income ** that lasts throughout retirement!
You won’t get all the answers you need in an email like this – there’s simply not enough time.
That’s why I want to offer you the opportunity today to get a complimentary, no obligation, annuity income strategy session with one of our local independent licensed insurance professionals.
We’ll help you dig deeper into your own unique retirement situation and, if possible, help you design a customized annuity income strategy to help generate the supplementary retirement income you need, when you need it, for as long as you need it.
And in some cases, we might even be able to uncover some little-known ways to potentially increase your total income up to 33%^ more than you might get with traditional income strategies during retirement using some of our proprietary annuity income strategies that less than 1% of financial professionals are trained to offer.