Unlike traditional advisors who rely on static “probability of success” models, we use Income Lab’s dynamic guardrail system to create your personalized retirement paycheck. Instead of focusing on whether your plan might work, we focus on minimizing the probability of regret—so you can confidently spend your money on the things that matter most.

This approach allows real-time adjustments to your income based on market conditions and life changes, keeping you on track without unnecessary sacrifice. It’s about living your best life – traveling, giving, making memories—not constantly second-guessing every expense. With guardrails in place, you’ll know exactly how much you can safely spend each year while protecting your future.

Optimizing your Social Security benefits isn’t just about delaying to get the largest possible check—it’s about integrating your claiming strategy into your broader retirement income plan. While postponing benefits can boost your monthly payout, that may not be the most effective approach if you need income sooner, have health considerations, or want to preserve other assets for long-term planning.

For married couples, the stakes are even higher. Strategic coordination between spouses—such as timing claims to maximize survivor benefits or staggering start dates—can significantly enhance total household income over time. The real goal is to create a tax-efficient, sustainable plan that supports your lifestyle, protects both spouses, and reduces the risk of outliving your savings. When aligned with other income sources like IRAs, Roth conversions, and annuities, a well-timed Social Security strategy can unlock more value and long-term financial security.

Rolling over your 401(k) or IRA into a Fixed Index Annuity (FIA) can be a smart move as you near retirement. It allows you to preserve your tax-deferred status while adding key retirement benefits. With an FIA, your principal is protected from market losses, and your money still has the opportunity to grow based on a market index—without being directly invested in the market.

Most importantly, you can turn that nest egg into a guaranteed stream of income for life, helping to ensure you never outlive your savings. It’s like creating your own personal pension, with options to build in income for a spouse, inflation protection, or legacy benefits for your heirs. This strategy gives you control, stability, and peace of mind during retirement.