What's Actually Guaranteed?

A 7-question audit of your retirement income -- how much is protected, and how much depends on everything going right.

How it works: Answer 7 yes-or-no questions about your current retirement setup. Your answers will generate a Guaranteed vs. At-Risk income split showing how much of your retirement income is structurally protected -- and how much is not.

Question 1 of 7

"Do you receive (or will you receive) a pension from a current or former employer?"

Pensions provide guaranteed lifetime income -- one of the strongest foundations a retirement plan can have.

Question 2 of 7

"Is more than half of your retirement savings in market-based accounts (401k, IRA, brokerage) without any guaranteed income feature?"

Market-based accounts grow well during accumulation, but provide no income guarantees during retirement.

Question 3 of 7

"Have you decided on a specific Social Security claiming strategy (what age and whether to delay)?"

The difference between claiming at 62 vs. 70 can be over $100,000 in lifetime benefits.

Question 4 of 7

"Do you currently own any financial product that guarantees a monthly income for life, regardless of market performance?"

Guaranteed income products create a floor -- income that arrives whether the market is up, down, or sideways.

Question 5 of 7

"If the stock market dropped 40% tomorrow, would your expected retirement income remain the same?"

This is the ultimate stress test for retirement income -- most plans fail it.

Question 6 of 7

"Are you currently contributing to a 401(k) or IRA?"

Active contributions signal you are still in accumulation mode -- which affects how much guaranteed income you can build before retirement.

Question 7 of 7

"Have you calculated your monthly expenses in retirement?"

Knowing what you actually need to spend each month is the foundation of any income plan -- without it, guaranteed vs. at-risk is just a guess.

Please answer all 7 questions before viewing your results.

Your Audit Result

Guaranteed At-Risk

Your Next Steps

If you received this by email: Navigate back and click the booking link to schedule your free 60-minute education session.

If you received this by text: Reply to your advisor and share what stood out to you. They will take it from there.

Pick a time that works for you on the calendar that appears.

Show up to your free 60-minute education session. No obligations, no sales pitch -- just annuity basics and answers to your questions.

Receive your free book after the session -- our way of saying thanks for your time.