RETIREMENT INCOME PLANNING FOR PRE-RETIREES AND RETIREES
Build More Predictability Into Your Retirement Income Plan
Retirement is about more than how much you have saved. It is also about understanding where your income may come from, which expenses it needs to support, and how those pieces may work together over time.
PFG helps you review your situation and explore appropriate insurance-based retirement income options without pressure.
IIndependent guidance • Multiple-company access • No-pressure conversation
Insurance products are subject to eligibility, product terms, and state availability. Guarantees are backed by the claims-paying ability of the issuing insurance company.
RETIREMENT INCOME PLANNING FOR PRE-RETIREES AND RETIREES
Build More Predictability Into Your Retirement Income Plan
Retirement is about more than how much you have saved. It is also about understanding where your income may come from, which expenses it needs to support, and how those pieces may work together over time.
PFG helps you review your situation and explore appropriate insurance-based retirement income options without pressure.
IIndependent guidance • Multiple-company access • No-pressure conversation
Insurance products are subject to eligibility, product terms, and state availability. Guarantees are backed by the claims-paying ability of the issuing insurance company.
PLAN FOR THE INCOME BEHIND YOUR RETIREMENT
Retirement Is About More Than an Account Balance
For most people, retirement means replacing a paycheck with income from several different places.
Social Security, pensions, retirement accounts, savings, insurance products, and other resources may all play a role.
The important question is not simply how much money you have accumulated. It is how those resources may support your essential expenses, lifestyle, and priorities throughout retirement.
Help Cover Essential Expenses
Start by understanding the income needed for housing, utilities, food, healthcare, transportation, insurance, and other ongoing expenses.
Plan for a Longer
Retirement
Retirement may last many years. We look at how your income sources may work together over time rather than focusing only on today’s balance.
Coordinate With What You Already Have
Social Security, pensions, savings, retirement accounts, existing annuities, and insurance should be considered together—not treated as separate decisions.
RETIREMENT INCOME, EXPLAINED SIMPLY
Your Income Strategy Should Fit Your Retirement—not Just a Product
Retirement income planning involves looking at how different financial resources may help support your expenses and priorities after employment income decreases or stops.
There is no single strategy that is appropriate for everyone.
PFG is an independent life insurance brokerage. We begin by understanding your situation and then review insurance-based options that may be appropriate alongside the retirement resources you already have.
Depending on your needs, those conversations may include annuity or other insurance strategies designed to provide contractual income or other guarantees.
Important to Know
Insurance and annuity products vary by insurer and state. Product features, surrender periods, charges, liquidity provisions, guarantees, and other terms vary by contract.
Guarantees are backed by the claims-paying ability of the issuing insurance company. Information provided by PFG is educational and is not individualized investment, tax, or legal advice.
WHAT WE REVIEW TOGETHER
A Retirement Income Review Starts With More Than One Number
Your retirement savings matter, but they are only part of the picture. We look at your income sources, essential expenses, timing, and priorities before discussing what may be appropriate.
Your Existing Income Sources
We look at resources such as Social Security, pensions, retirement accounts, savings, existing annuities, insurance, and other retirement income.
Your Essential Expenses
We discuss the expenses your retirement income needs to support and which costs may be especially important to cover consistently.
Your Retirement Timeline
We consider when you plan to retire, when different income sources may begin, and how those resources may work together over time.
Your Priorities and Liquidity
Income is only one consideration. We also discuss access to funds, flexibility, legacy goals, and the tradeoffs you are comfortable with.
A SIMPLE, PERSONAL PROCESS
Clear Guidance From Retirement Income Review to Informed Decision
We start with what you already have, what your retirement needs to support, and what matters most to you. Then we help you review appropriate insurance-based options clearly.
1
Understand Your Retirement Picture
We review your current income sources, expenses, retirement timeline, existing coverage, and priorities.
2
Identify Potential Income Gaps
We look at how expected retirement income compares with the expenses and priorities you want it to support.
3
Compare Appropriate Options
If insurance-based strategies may be worth considering, we explain the features, guarantees, limitations, liquidity, and tradeoffs clearly.
4
Make an Informed Decision
You decide what fits your situation. Our role is to answer questions and provide guidance—not pressure you into a product.
A straightforward conversation to understand your retirement income picture and review appropriate options.
PERSONAL GUIDANCE
Work With People Who Take the Time to Understand Your Retirement Priorities
Retirement decisions are personal. We begin by understanding your income needs, existing resources, priorities, and concerns before discussing possible solutions.
As an independent life insurance brokerage, PFG can help you review appropriate insurance-based retirement strategies rather than assuming one product is right for everyone.
G. Aaron Coleman
Founder, Productive Financial Group
Aaron brings more than 20 years of experience in the life insurance industry. He helps families understand their options, protect their income, and prepare for the unexpected with clear, straightforward guidance they can feel confident about.
Melissa Coleman
Licensed Insurance Professional
Melissa has been a licensed insurance professional since 2012. She helps individuals and families understand their coverage options and make thoughtful decisions about protecting the people and priorities that matter most.
COMMON QUESTIONS
Questions About Retirement Income Protection?
Retirement income decisions can involve a lot of moving pieces. Here are a few common questions people have before scheduling a review.
What is retirement income protection?
Retirement income protection generally refers to strategies designed to help create greater predictability around income needed during retirement. The appropriate approach depends on your existing resources, expenses, goals, timeline, liquidity needs, and other considerations.
Do I have to move all of my retirement money?
No. A retirement income review starts by understanding what you already have. An appropriate strategy may involve only part of your retirement resources—or no new product at all.
What if I already have Social Security or a pension?
Those income sources should be part of the conversation. We look at how Social Security, pensions, savings, retirement accounts, insurance products, and other resources may work together.
Are annuities appropriate for everyone?
No. Annuities have different features, guarantees, restrictions, liquidity provisions, and costs depending on the contract. Whether one may be appropriate depends on your individual situation and priorities.
Are retirement income guarantees really guaranteed?
Certain insurance and annuity contracts may provide contractual guarantees subject to the terms of the policy or contract. Those guarantees are backed by the claims-paying ability of the issuing insurance company.
Will I still have access to my money?
Liquidity varies by product. Some contracts may include surrender periods, withdrawal limits, charges, or other restrictions. We review those provisions before you make a decision.
Will I be pressured to buy anything?
No. The purpose of the review is to help you understand your situation and available options. You decide whether any solution makes sense for you.
Do I have to make a decision during the appointment?
No. You can take time to review the information, ask questions, and decide what you are comfortable with.
What happens during the first conversation?
We’ll start by learning about your current retirement resources, expected income, essential expenses, retirement timeline, priorities, and concerns. From there, we can determine whether any insurance-based strategies may be worth reviewing.
READY WHEN YOU ARE
Review Your Retirement Income Options With PFG
A short conversation can help you understand how your current income sources, retirement expenses, timeline, and priorities fit together—and whether additional strategies may be worth considering.
Clear information. Personal guidance. No pressure to make an immediate decision.
PFG LIFE LLC
Independent guidance for life insurance, family protection, and retirement income strategies.
Contact
Phone: 208-417-7295
Email: [email protected]
Insurance products are subject to eligibility and underwriting. Product availability varies by state. Guarantees are backed by the claims-paying ability of the issuing insurance company. Information provided is for educational purposes and is not individualized tax or legal advice. Consult a qualified tax or legal professional regarding your individual circumstances.
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