Retirement Planning For High Earners With Longevity Planning
Why Longevity Planning Matters
Plan For More Years, Not Just More Assets
Life expectancy trends mean many clients will spend 25 to 35 years in retirement. The risk is not
outliving investments, it is outliving income. Our work starts with the question clients ask most often, how do I
ensure I will not outlive my retirement savings. We stress-test timelines at ages 85, 90, and 95, then align the plan to those milestones so the paycheck continues whether markets cooperate or not.
Guaranteed Income For Life
Turn Savings Into A Dependable Paycheck
We help convert 401k and IRA balances into predictable income using annuities, structured withdrawals, and Social Security timing. For clients in Michigan and California, and for snowbirds in Naples or Scottsdale, the goal is the same, a monthly number you can count on. Many plans evaluate
qualified longevity annuity contracts to cover late-retirement years, then pair them with near-term income sources that fit your tax picture.
Analysis First, Then Action
Every plan maps cash flow, taxes, and risks. We inventory pensions, portfolio income, and insurance values, then model scenarios for market drops, long life, or a spouse’s passing. We coordinate with your CPA and attorney when needed, and we place policies only when the numbers justify it. Clients tell us this process removes guesswork and replaces it with a clear timeline and simple steps.
The Building Blocks Of A Resilient Plan
Use targeted strategies to create the right mix of certainty and flexibility. QLACs can reduce early RMD pressure and fund years 80 to 90 and beyond. Immediate or deferred income annuities can deliver pension-like paychecks. Coordinated Social Security timing can increase lifetime benefits. Insurance-based solutions can address survivor income and long-term care concerns.
A Simple Path From Assets To Income
Replace with a verified example that shows how a client with a seven-figure 401k in Oakland County converted part of the balance to guaranteed income, kept growth potential elsewhere, and created a survivor plan that felt right for both spouses.
Frequently Asked Questions
Clarity On Timing, Tools, And Trade-Offs
When should I start planning retirement income. Planning five to ten years before retirement gives room to shape tax outcomes and lock in guarantees.
What if I live longer than expected?
That is the purpose of longevity planning, including annuity income that continues for life.
Do you advise on Social Security and Medicare timing?
Yes, we coordinate these decisions within your overall plan and bring in specialists when appropriate.
How do you address taxes on withdrawals?
We review sequencing across accounts, consider QLAC use, and coordinate with your CPA to help manage the tax impact.
Can you work with my attorney and accountant?
Yes, collaboration is part of our process so documents and strategies align.
