Retirement Income

You worked a lifetime saving for retirement.
Now let's help you live it.

Retirement changes the question. For decades, the goal was accumulation: building the account. In retirement, the challenge becomes decumulation: turning what you've built into dependable income, without constantly wondering whether it will last.

Lock In Your Lifestyle.
Let's Talk
The Transition

Getting to the top is only half the journey.

Most retirement planning focuses on the climb: saving, investing, accumulating. But reaching the summit isn't the end of a mountain journey. The descent presents a different set of challenges.

Retirement can work much the same way. Once someone begins taking income, things like market losses, the timing of withdrawals, inflation, longevity, and changes in household income can affect a retirement differently than they did during the accumulation years.

The strategy that helped you climb the mountain may not be the same strategy you need coming down.

Two Different Jobs

Accumulation vs. decumulation

Accumulation

The working years
  • Earn income
  • Save
  • Invest
  • Build assets
  • Prepare for retirement

Decumulation

The retirement years
  • Replace the paycheck
  • Create dependable income
  • Manage withdrawals
  • Address longevity risk
  • Use assets intentionally

For years, retirement planning was about building the pile. That's accumulation.

Eventually the question changes:
"How do I turn what I've built into income, and make it last?"

That's decumulation. And that's the side of retirement planning I specialize in.

The goal isn't just to have money in retirement.
It's to have income.

A retirement account balance and a retirement paycheck are two different things. Once the regular paycheck stops, the question becomes how your savings, Social Security, pensions and other resources work together to create the income your lifestyle requires.

Guaranteed Lifetime Income

What if part of your retirement income didn't have to be left to chance?

For some people approaching retirement, and for some people already retired, it may make sense to position a portion of retirement assets to create guaranteed lifetime income.

Social Security
+
Pension
(if applicable)
+
Guaranteed Lifetime Income
=
Your Income Floor

We're not suggesting every retirement dollar should be placed into an annuity or guaranteed-income product. Other retirement assets may serve different purposes, depending on the individual.

The idea isn't "put everything into an annuity." The idea is: "How much of the income I need every month do I want to know will be there?"

Liquidity Growth potential Emergencies
Major purchases Legacy
Worth Thinking Through

Retirement changes the questions.

What income do you actually need each month?
How much of that income is already guaranteed?
Where is the income gap?
What happens if the market falls early in retirement?
What happens if you live longer than expected?
What happens to household income when one spouse dies?
How much of your retirement income depends on market performance?
Would it make sense to guarantee some of your income for life?
Lock In Your Lifestyle

You didn't work all those years just to spend retirement worrying about the next paycheck.

"Lock In Your Lifestyle" doesn't mean guaranteeing every dollar or eliminating every financial risk. It means taking a thoughtful look at the lifestyle you want to maintain, and asking:

What does that lifestyle cost each month?
Which expenses aren't going away?
Which income sources can I count on?
Where are the gaps?
Would creating additional guaranteed lifetime income help protect the lifestyle I worked to build?
Lock In Your Lifestyle.
That's Where I Come In

Jason Bruno

Retirement Income Specialist

For more than 20 years, I've worked with families helping them protect what matters most and prepare for the financial uncertainties life can bring.

Today, my focus is retirement income, specifically helping people make the transition from accumulating retirement assets to turning those assets into income. I work with people approaching retirement and people already retired.

My job isn't to bury you in charts, financial jargon, or alphabet soup.

It's to help answer some very practical questions:

  • What do you need your money to do?
  • What income can you already count on?
  • Where are the gaps?
  • Are there appropriate ways to create income you cannot outlive?

You built the life.
Now let's talk about the income that helps you keep it.

Lock In Your Lifestyle.
Schedule a Conversation
Prefer to reach me directly?
jason@brunoplan.com

Guaranteed lifetime income refers to the contractual guarantees of an annuity or insurance product and is subject to the claims-paying ability of the issuing insurance company. This is not an offer or recommendation of any specific product or strategy, and results and suitability vary by individual circumstances. Jason Bruno is a licensed insurance professional, not an investment adviser, financial planner, or fiduciary, and does not provide investment advisory services. Nothing on this page should be taken as a guarantee of investment or account performance.