No-Cost Retirement Income Planning Consultation

Are You Retired or Approaching Retirement
and Wondering How You'll Reach Your Income Goals?

Perhaps you're concerned about stock market volatility or running out of money. Western Advisors is offering no-cost Retirement Income Planning Consultations to help you address these concerns.

✔ Compare your current plan's projected withdrawals to guaranteed income payments.
✔ Discover income that lasts for both you and your spouse — no matter how long you live.
✔ Consider allocating part of your assets to a vehicle that covers your basic living expenses and some discretionary expenses.

📅 Book My Free Consultation Learn More ↓

Retired couple anxiously reviewing financial statements

The Retirement Challenge Has Completely Changed

Markets rise and fall. Costs increase. People are living longer than ever. That makes retirement planning less about "getting the best return" and more about "building reliable income that you can count on for life".

As you can see from the graphic market corrections, bear markets, and severe market crashes occur often. A 30% loss requires a 43% gain just to break even, which can take 5–7 years as it did after the 2008 crash. Add fees and annual withdrawals during that downturn and your portfolio may never fully recover.

The question every retiree must answer: How do you turn savings into reliable income without gambling away your lifestyle in the stock market?

3 Reasons Why You Should Learn More ↓

Market Risk Reality Check — stock correction frequency and severity

3 Compelling Reasons to Schedule Your Free Consultation Today

Income annuities solve a problem no stock market portfolio can. Here is why thousands of retirees are making the switch.

You Could Outlive Your Money and That Is Your Biggest Risk!

Longevity risk is the amplifier of every other retirement danger — Market crashes, inflation, healthcare costs, and withdrawal risk all can become catastrophic if you live longer than your savings last. The only way to eliminate longevity risk is a guaranteed lifetime income annuity. A market portfolio can never give you this. Income continues whether you live to 85, 95, or 105!

"The only fix to never running out of money is to use a vehicle that never runs out of money!."

⏳ Eliminates Longevity Risk

One Market Crash at the Wrong Moment Can Permanently Destroy Your Standard of Living

A 30% market loss requires a 43% gain just to break even — and that can take 5-7 years as it did after 2008. Subract a 4% annual withdrawal plus a 1% advisor fee during that downturn and your portfolio will likely never recover your original standard of living.

Income annuities are not subject to market crashes. Your guaranteed paycheck never decreases — regardless of what the market does today, tomorrow, or a decade from now. You will never lie awake at night wondering how the market did.

📉 Zero Market Loss Exposure

Nobel Prize Winning Economists Say Guaranteed Income Should Anchor Every Retirement Plan

Robert Merton (Nobel Prize) argues that a guaranteed income annuity should be a foundational asset in every retirement portfolio — providing a secure income floor for essential expenses so remaining assets can be invested without financial strain.

William Sharpe (Nobel Prize) states that study after study show that annuity owners have more stable finances, more predictable outcomes, and more confidence than retirees relying entirely on portfolio withdrawals.

🏆 Nobel Prize–Endorsed

📅 Book Your Free No-Cost Consultation Now!

For individuals ages 55–75 — Retired or within 10 years of retirement

Schedule a Consultation and Receive Your FREE Retirement Income Report!

Compare the projected withdrawals from your current retirement plan to the payments from a guaranteed lifetime income annuity — displayed side by side in a chart and graph. Personalized to your specific situation using our proprietary software.

Get My Free Report →

No cost. No obligation. No pressure. If an annuity isn't right for you, we will tell you.

📊 Your Report Includes:

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Projected Withdrawals from Your Current Plan — based on your asset allocations, projected returns, and fees
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RMD or Other Withdrawal Projections — mandatory RMDs or desired annual withdrawals adjusted for inflation from your desired starting date
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Market Correction Stress Test — impact of random crashes on your account balance and income
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Guaranteed Annuity Comparison — side-by-side chart and graph vs. your current plan
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Optional Roth Conversion Analysis — how to create tax-free income and a tax-free legacy for your heirs

What the World's Leading Retirement Economists Say

Facts about Income Annuities

Although you have probably heard of annuities, many of the things you have likely heard are myths or misconceptions. Here are the facts.

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Nobel Prize–Winning Economists Agree: Annuities Protect Against Retirement's Greatest Risks

Longevity Risk — not knowing how long you will live
Financial Risk — running out of money before you die
Market Risk — crashes that destroy retirement income

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Robert Merton: Guaranteed Income Should Be the Foundation of Your Retirement Portfolio

Nobel laureate Robert Merton emphasizes that a guaranteed income annuity should anchor every retirement portfolio. It establishes a guaranteed income floor covering essential expenses, freeing your remaining assets for more confident, strategic growth.

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Retirees With Guaranteed Income Spend More Freely and Live Longer!

Research confirms that retirees with from guaranteed lifetime income spend more freely than those drawing from a portfolio they might exhaust. Studies show annuity owners live longer than those without — because removing the fear of outliving your money removes one of retirement's greatest sources of anxiety.

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Annuity Owners: More Stable Finances, More Predictable Outcomes, More Confidence

Nobel laureate Richard Thaler coined "the Annuity Puzzle" — why do so few people buy annuities when the math overwhelmingly supports them? Study after study shows annuity owners have more stable finances, more predictable outcomes, and more confidence than retirees who rely entirely on portfolio withdrawals.

Longevity Risk: The Amplifier That Makes Everything Else Worse

It magnifies market risk, withdrawal risk, inflation and healthcare risk. The longer you live the more likely it is that you will experience them.

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Longevity Risk

The magnifier of all other risks! Living longer almost insures that your portfolio will experience financial risks.

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Market Risk

A significant crash during your retirement is disastrous when you are withdrawing, not accumulating.

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Withdrawal Risk

Every dollar withdrawn during a downturn is sold at a loss — gone forever, unable to participate in a recovery. You don't know how much you can safely withdraw each year?

"The only cure to never running out of money is to make vehicles that never run out of money!"

The Foundation of an Income Annuity Strategy

People with guaranteed lifetime annuities record lower stress levels and better physical and mental health. Guaranteed income gives you permission to spend — and that peace of mind is priceless.

You Already Own Annuities — You Just Don't Call Them That

Social Security is a government-issued annuity: a guaranteed monthly paycheck for life. A pension is an employer-issued annuity: a guaranteed monthly paycheck for life. An insurance company annuity is functionally identical — the only difference is it is privately issued.

Everyone who loves their Social Security check already loves annuities. If pensions and Social Security do not cover all your expenses, an income annuity is the only way to safely fill the gap with guaranteed lifetime income.

Happy retired couple enjoying financial security in retirement

Are You Retired or Approaching Retirementand Wondering How You'll Reach Your Income Goals?