Guide to Retirement Income Planning

Thank you for doing the hard work of designing or updating your Plan for Retirement Income. A Plan doesn’t have to be complicated, but it does have to be personalized to you and your retirement objectives. By following the three steps below in this Guide you’ll provide us with information so we can use our Go2Income robo-analytics to craft a personalized plan that will deliver:

More Retirement Income with Less Market Risk

By requesting a new plan or updating your current plan, you will automatically renew our offer of two hours of free consultation with a Go2Income Advisor-Counselor -- a value of $400.

Please fill out the information below, request your Plan for Retirement Income and review the email and Plan you'll receive in less than 24 hours. It is that easy! For assistance in designing and requesting your Plan, please call 1-877-263-5576 to speak with a Go2Specialist. For general inquiries, please email us at

Three Steps to Personalized Plan

Step 1 - Select Your Plan Objectives

Note. The charts above show the income and liquidity/legacy for sample Plans corresponding to these objectives, all starting with $1 million in retirement savings. Your results will vary based on your Plan information provided below.

Step 2 - Complete and Review Plan Information

To complete your personalized Plan for Retirement Income, you will need to confirm the information provided previously to

1. Click here if you want all of the plan income to continue for the life of a spouse.
Fill in spousal information below.
2. Update the Amount of Retirement Savings to be applied to this Plan. Also, select % Rollover IRA.
3. Review Stock Market Outlook and select Allocation to Stocks

Step 3 - Request Your Personalized Plan for Retirement Income

We will take the information you provided and use our proprietary Income Allocation analytics to identify the Plan for Retirement Income that can achieve your objectives.

Did You Know?

A DIY retirement requires a plan, as though you’re your own pension manager.
Retirement isn’t rocket science, but it can be if you’re not prepared. Have you covered the basics?
We know retirement and want to help you. Want more legacy for the kids? Special tax breaks for women? A comprehensive strategy to combat rising cost of retirement in this low interest climate?

Brief Review of Income Allocation Planning Method

Definition of Income Allocation Terms
Income Allocation Planning - Retirement income planning that focuses on the sources of income - dividends, interest, IRA withdrawals and annuity payments - in contrast to planning based on asset allocation.

Plan for Retirement Income - A Plan, based on the assumptions you provide, illustrates your sources of income and account value over your lifetime. Also, provides a suggested allocation of your Retirement Savings, as well as a measure of the risk of the Plan. A Plan should not be static and should be managed over time.

Retirement Savings - Amount of savings you are willing to devote to generation of retirement income; typically excludes reserve funds for emergencies or special future purchases. Savings are split between your Rollover IRA and Personal (after-tax) savings.

Legacy - The amount of your retirement savings that you leave your beneficiaries, exclusive of any life insurance, property and other possessions. It will include any beneficiary protection under an income annuity.

Liquidity- The amount of your savings generally measured by your Account Value you access for planned and unplanned withdrawals. The latter will impact your Legacy and may impact your ongoing retirement income.

Inventor of the Income Allocation Planning Method

Jerry Golden founded Golden Retirement, LLC (GR) and organized its two subsidiaries Golden Retirement Advisors, Inc, (GRA), a registered investment advisor, and the 2Income Annuity Group, Inc (2IAG) , a life insurance and annuity agency, to deliver a Plan for Retirement Income with more income and less risk.

GR developed which, among other things, integrates annuity payments into Income Allocation planning. By combining both online planning with support from Advisor-Counselors, GR can deliver and manage these plans at a lower cost than traditional retirement income plans. Further, the Income Allocation planning can dramatically reduce an investor's retirement tax rate.

Jerry has appeared on CNN, Fox News, and Bloomberg Radio, and he and his research have been featured in many leading financial publications, including Kiplinger's Retirement Report, Financial Planning, Investment News, as well as numerous consumer-oriented publications and daily newspapers. His proposal for Social Security reform appeared in Bloomberg News online.

Over thirty of his blogs have been published on Jerry has two patents around income planning and income annuities. He founded Golden American Life Insurance Company and held executive positions at MassMutual, Equitable Life, and Monarch Life.