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See how knowing your
INCOME POWER can help you plan

YOUR Income Power


  You



Your Results

Survival Age:

To customize your Income Power and get a
free report, go to Step 2.

What’s wrong with current retirement calculators?


These calculators have it backwards, and even Congress understands. It’s more important for investors to know what lifetime income their current savings can produce, rather than some hypothetical savings number often giving an unrealistic sense of accuracy.

Read more

Why Income Power is Better Approach?


Investors need a retirement calculator that emphasizes the value of what they already have in savings, and gives them results that are lifetime, certain and personalized.

Read more

How can you implement Income Power plan?


Working with a Go2Income Specialist investors will have the opportunity to receive implementation plans on ways to improve upon a personalized benchmark, and to introduce growth investments on a risk-controlled basis.

Read more



What’s wrong with current retirement calculators?


These calculators have it backwards, and even Congress understands. It’s more important for investors to know what lifetime income their current savings can produce, rather than some hypothetical savings number often giving an unrealistic sense of accuracy.
Further, these calculators do not anticipate substantial late-in-retirement expenses, and in fact often “kill you off” at your life expectancy. Further, by limiting options to investment accounts, these calculators ignore equity in a primary residence, Income Annuities, and other strategies to maximize after-tax cash flow.

Problems with the investment assumptions. These calculators assume these investments will generally follow past results and that investors are willing to accept the volatility in outcomes. These calculators do not recognize that individual investors do not achieve average market returns. Studies show that average investors underperform the market by 1 to 3% per year. In addition, they do not consider financial behavioral changes when withdrawing money from savings to meet income needs, particularly late in retirement.

Why Income Power is Better Approach?


Investors need a retirement calculator that emphasizes the value of what they already have in savings, and gives them results that are lifetime, certain and personalized.
Income Power is a new benchmark for measuring and expressing the amount of cumulative guaranteed lifetime income investors could receive based on their current savings and market pricing. It allows investors -on their own - to personalize the benchmark by adjusting key factors,such as:
  • i.       Income for a spouse
  • ii.      Protection for children
  • iii.     Retirement age
  • iv.      Purchasing power protection
  • v.       Anticipated savings to apply
To succeed with retirement planning, we need to move from negative and complex consumer messages and emotional triggers, e.g.: savings shortfall; income shortfall; and reducing risk. We must help to encourage investors with positive messages and emotional signals: Current savings can generate lifetime income; lifetime income can be guaranteed; and invest in the market for greater income growth

How can you implement Income Power plan?


Working with a Go2Income Specialist investors will have the opportunity to receive implementation plans on ways to improve upon a personalized benchmark, and to introduce growth investments on a risk-controlled basis.
While maintaining the lifetime guarantees, your plan will look to maximize after-tax income and integrate smart withdrawal strategies.
A Go2Income Specialist offer the investor the option to making purchases of Income Annuities through the Annuity Shopping Service , and coordinate other parts of your plan with a registered investment advisor (investment accounts) and a mortgage broker (reverse mortgage).

WHAT is a Deferred Income Annuity (DIA)?


During the deferral period, you have limited access to the DIA's value. Only you can determine whether a Deferred Income Annuity is right for you and your situation, particularly since you have to consider the return on savings you may be giving up during the deferral period.

There are special tax benefits for QLAC contracts - a special type of DIA - obtained by transferring funds from an IRA, 401(k) and/or other qualified plan savings. There are also limits under such contracts. If you'd like to learn more about QLAC go to QLAC Shortcut.

What are the specific benefits of a DIA?


Safety and Stability: The income amounts are guaranteed by the life insurance company, and results are not subject to any fluctuations in the financial markets. The Guaranteed Income provides stability in relation to other sources of income.

Wealth Preservation: By deferring income until your life expectancy and beyond, you can help cover late-in-retirement expenses, such as:

1. Basic needs if you run through your savings due to overspending, bad markets, bad luck, and/or unanticipated medical and long term care expenses

2. Long-term care insurance and/or life insurance premiums, keeping these policies in force when they may be needed most

3. Real estate taxes or mortgage payments to help you stay in your home

4. Any annual gifting program that is helping reduce your estate taxes

5. Just-for-fun expenses such as a cruise, upgrade to business class, or any other way that helps bring you joy.

IRA/401(k)



These retirement accounts represent the clearest form of retirement savings.

As a replacement for the corporate pension they are the most logical source for retirement income. Further their tax treatment is geared to delivering the highest level of income during your lifetime rather than a legacy to your family.

In measuring your Income Power, we suggest including at 100%.

Purchase of QLAC and Current Income Annuity may be made through tax-free rollover.

Personal Savings



These savings and investment accounts represent the accumulation of after - tax savings. Investment returns on these amounts are taxed currently, some at favorable rates; amounts left as a legacy may receive favorable tax treatment at your passing.

In measuring your Income Power, we suggest excluding those amounts generating yields and considered part of your legacy.

Purchase of DIA and Current Income Annuity may be made only on an after tax basis. Portion of these annuity payments will be considered as tax-free return of principal.

Deferred Annuities



These annuities, unlike those described in the Go2Income site, are designed to accumulate savings on a tax-deferred basis. They may offer variable, indexed or fixed returns. Unlike the IRA/401(k) they offer tax deferral beyond age 70 ½. If amounts are withdrawn they will be taxed on a least favorable last-in,last-out basis.

In measuring your Income Power, we suggest including at 100%.

Purchase of DIA and Current Income Annuity may be made through tax-free exchange.

Equity in Home



Investors may tap the equity in your house through a Home Equity Conversion Mortgage (HECM). This mortgage is subject to a rigorous financial assessment but it can be a source of tax-free cash during the early stage of retirement. To maintain liquidity and legacy we suggest using in moderation.

In measuring your Income Power, we suggest including at 40%, but not more than $250,000.

Purchase of any form of annuity from these proceeds and is strictly prohibited.