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Income you can count on, for as long as retirement lasts.

There are financial tools built specifically to make sure a portion of your savings keeps paying you for as long as you live — and can protect that portion from market losses along the way.

Outliving Your Savings
Caiden Owens at the New York Stock Exchange

Caiden Owens — New York Stock Exchange, 2025.

Income designed to help last throughout retirement.

Markets rise and fall. Your essential expenses don't. The strategies below are designed to take a portion of your savings off the market roller coaster and turn it into something steadier.

Protected Growth & Lifetime Income

Participate in market-linked growth through an index, with the potential to protect a portion of your principal from market losses — subject to the terms, limitations, and guarantees of the specific annuity contract and the claims-paying ability of the issuing carrier. An optional income rider can turn a portion of the contract into payments that continue for life, subject to contract terms. These solutions are structured as fixed indexed annuities with optional lifetime income riders.

Long-Term Care

A contract built under the Pension Protection Act. Set money aside for retirement; if long-term care becomes necessary, access multiplied benefits tax-free under current tax law. If you never use the LTC benefit, the money is still yours. These solutions are structured as annuity contracts with long-term care benefits.

Annuities are long-term insurance contracts designed for retirement. Guarantees are backed by the claims-paying ability of the issuing insurance company. Withdrawals may be subject to surrender charges and tax penalties. Product features, riders, and availability vary by carrier and state. Information is educational only and is not a recommendation for any specific product.

Is This For You?

Questions worth asking before retirement arrives.

"Will my savings last?"

If a long retirement, market downturns, or rising costs make you wonder whether your money will outlast you, a guaranteed income floor may be worth understanding.

"What if I need care?"

Long-term care is one of the largest unplanned expenses in retirement. Planning for it ahead of time can protect both your savings and the people who would otherwise carry that burden.

"Am I taking too much risk?"

As retirement nears, a loss has less time to recover. Protecting a portion of your savings from downturns is one way to take some of the worry off the table.

There's no one-size-fits-all answer. We'll look at your full picture together and talk through whether these tools fit — and just as honestly, whether they don't.

Next Step

Let's talk about making your savings last.

Pick a time that works for you. We'll meet in person, over the phone, or by video — whichever fits your schedule.

Meet With Caiden