Turn what you’ve built into income that lasts as long as you do.
When you sell or step back, a lifetime of equity has to become a paycheck. We help you build the part of it you can count on.
The Problem
For most owners, the business is the retirement plan.
You’ve reinvested in the company for years. Now the value is concentrated in one asset, plus whatever sits in a 401(k) or IRA. When you exit, that money has to replace a salary, distributions and the perks the business paid for.
The risk isn’t only running out. It’s a market drop in the first years after you sell, taxes you didn’t plan for, and spending decisions made under pressure. The fix starts with separating the income you need from the income you want.
Income Floor Planner
How much of your retirement is guaranteed?
Your income floor is the essential spending covered by income designed to last for life: Social Security, pensions and lifetime annuity income. Slide to see your gap.
Housing, healthcare, food, insurance, taxes: what you must pay.
Travel, gifts, hobbies: what you want to keep doing.
Used only to estimate how much savings it takes to produce the gap. A hypothetical assumption, not a projected return.
Your Income Picture
Hypothetical and for education only. Withdrawal assumptions are not guarantees or projections of any product’s performance. Annuity guarantees depend on the claims-paying ability of the issuing insurer and are subject to product terms, fees and surrender charges.
How We Solve It
Build the floor first. Then everything else can take risk.
Rollover income planning
Converting part of a 401(k) or IRA into lifetime income using fixed indexed annuities, with principal protected from market losses and the trade-offs (caps, surrender periods) explained up front.
Sale-proceeds strategy
Working alongside your CPA, business broker and M&A advisor so the timing and structure of the sale support your income plan instead of fighting it.
Legacy coordination
Protection that replaces what your heirs would have received from the business, and keeps the estate liquid.
Legacy planningWhat You Receive
Your Income Floor Plan
A written plan showing what portion of your retirement lifestyle is covered by guaranteed sources, what remains exposed, and the options to close the gap, with the limitations of each.
- Guaranteed vs. market-dependent income, year by year
- Rollover options and their trade-offs
- Coordination points for your CPA before and after the sale
For Your CPA & Wealth Advisor
We focus on the guaranteed income layer using insurance and annuity products. We don’t manage investment portfolios or give securities advice, so our work complements, rather than competes with, the advisors who do.
Questions Owners Ask
Frequently asked
When should I start planning my exit income?
Ideally three to ten years before you sell or step back. That window lets you choose when to roll over accounts, how to structure the sale, and how to phase into retirement without being forced into decisions.
Is an annuity right for all of my money?
No. An income floor typically uses only part of your assets to cover essential spending. The rest stays flexible. We’ll show you the split that fits your numbers.
What does “principal protected from market losses” mean?
With a fixed indexed annuity, your credited value doesn’t decline because of index losses. Growth is limited by caps or participation rates, and early withdrawals can carry surrender charges. Guarantees depend on the issuing insurer’s claims-paying ability.
Know your number before you sign the deal.
An Exit Readiness Review: 30 minutes and a written one-page summary.