Planning tools
Know roughly where you stand before we talk.
Three calculators and a set of short guides, written by the advisors you would be speaking with.
Planning tools
Rough, honest numbers.
Each tool states its own assumptions. None of them is a quote, and all of them are a good place to start the conversation.
Retirement income gap
How much of your essential spending is guaranteed, and what an annuity would need to cover the rest.
Approximate annuity premium to close the gap
$567,273
Assumes a 5.5% lifetime payout rate at age 65, a mid-range figure. Actual payout rates depend on age, carrier and contract; an advisor will run exact numbers.
Talk it through with an advisor$2,600
Monthly gap
48%
Guaranteed share
$567k
Annuity premium
$2,400
Total guaranteed
/month
Breakdown
Income sources
Coverage breakdown
$2,400
Guaranteed income
$2,600
Remaining gap
Guides
Read before you decide.
Medicare
Turning 65: your Medicare enrollment timeline
The seven-month window, what happens if you miss it, and how employer coverage changes the rules.
Annuities
Reading an annuity illustration
Caps, participation rates, spreads and rider fees, explained line by line.
Planning
The annual protection review
A one-page checklist to run every year so coverage keeps pace with your life.
Disability income
Own-occupation, explained
Why the definition of disability matters more than the monthly benefit.