August 2026 · 6 min
A paycheck you cannot outlive
Retirement is not a balance. It is a monthly problem. Guaranteed income is how some households make that problem smaller.
Insights
Guides you can actually use.
Educational PDFs from this office, plus short pieces on paychecks, independence, care, and when not to move a contract.
Educational guides
Download and read
These pieces are for education. They are not a recommendation of any product. Guarantees depend on the issuing insurer.
PDF · 2 pages
Sequence of Returns Risk
Two retirees, the same average return, very different endings. Why order matters — and how guaranteed income can take the paycheck off the market’s calendar.
Open guidePDF · 6 pages
Annuities 101
A plain-language foundation for protected income: what an annuity is, how it works, fixed vs. fixed indexed, and the myths that get in the way.
Open guidePDF · 2 pages
Retirement Income Basics
Protected income vs. probable income, and a three-step way to see whether Social Security, a pension, and an annuity cover the bills.
Open guidePDF · 2 pages
The Safety of Annuities
How legal reserves, surplus, parent companies, and state guaranty associations stand behind an annuity contract — layer by layer.
Open guidePDF · 3 pages
Planning for Long-Term Care
What care costs, what it does to caregivers, and four ways to fund it: linked-benefit life, linked-benefit annuity, accelerated life, and traditional LTC.
Open guideNotes
From the desk
July 2026 · 5 min
Independent, on purpose
Leaving the securities world is a specialization, not a demotion. Here is what that choice is for.
June 2026 · 7 min
Hybrid long-term care, without the folklore
Asset-based life and annuity designs that can pay for care — and still leave something if care is never used.
May 2026 · 5 min
When a 1035 is actually worth it
A tax-free exchange of an existing annuity or life contract is a tool — not a reason to move money for its own sake.