Plan to Thrive during Your Golden Years

Your 401(k) represents years of hard work, but in retirement the real question becomes: will it last as long as you do? Converting a portion of your savings into guaranteed monthly income for life can turn market uncertainty into predictable cash flow you can count on, no matter how long retirement lasts. When combined with Social Security, this approach creates a steady income foundation that helps cover everyday expenses, reduces stress during market downturns, and supports a confident retirement lifestyle. Taking action now allows you to replace guesswork with certainty—and transform your savings into a paycheck you’ll never outlive.

Have you heard of the three-legged stool for retirement? It's an old concept that included social security as one of the three legs needed during retirement. Figuring out when to claim social security is often a complicated task for most individuals. There are over 2,700 rules that govern how your benefits are determined and literally thousands of claiming strategies. Additionally, 96% of people get less than they should resulting in the average American household losing over $110,000 in lifetime benefits.

Long-term care is one of the biggest retirement risks most people never plan for—until it’s too late. A serious illness, injury, or decline in health can quickly drain savings and put pressure on loved ones, while Social Security and Medicare cover only a fraction of long-term care costs. Long-term care insurance helps protect your independence, your family, and the retirement income you’ve worked a lifetime to build. Planning now isn’t about fear—it’s about choice, dignity, and peace of mind. Taking action today can mean the difference between leaving a legacy and becoming a burden tomorrow.