Choose Wisely: Guaranteeing Retirement Income That Lasts a Lifetime
Remember that unforgettable scene in Indiana Jones and the Last Crusade when Indy had to “choose wisely” between dozens of chalices to find the Holy Grail? Picking the wrong one could mean disaster — but the right choice guaranteed life. Retirement income planning works the same way. One wrong decision can dry up your resources, while the right strategy ensures stability for decades.
Why Guaranteed Income Matters
Peace of mind when the market is unpredictable.
Covers essential expenses no matter what.
Social Security: The Foundation
Timing matters (waiting can mean more income).
Couples need coordinated claiming strategies.
Pensions & Employer Plans
If available, compare lump sum vs. lifetime payout.
How survivor benefits affect your spouse.
Annuities: Love Them or Hate Them
Modern annuities explained (simpler than the old ones).
They provide income for life — a “personal pension.”
Other Considerations
Emergency cash buffer.
Long-term care planning.
Taxes on guaranteed income.
“Like Indy, retirees face high-stakes choices. The good news is you don’t have to pick alone. Let’s talk about which ‘cup’ is right for you.”
