Reliable income for life.
While most advisors try to do it all, we focus on one thing: helping careful savers work toward a steady paycheck for life—independent of the stock market.
Reliable income for life.
While most advisors try to do it all, we focus on one thing: helping careful savers work toward a steady paycheck for life—independent of the stock market.
You want to enter retirement knowing—without a doubt—that your resources will outlive you. But many retirement plans are built on market predictions, with reassurances like,
“You’ll be fine… if the market holds.” or
“… if this investment averages 10% a year.”
What if it doesn't?
Thirty years of worry is a lousy retirement plan.
At Income Associates, we know you’ve likely spent decades being careful with your money, so we believe it’s just plain wrong for your retirement to depend on variables you can’t control. The good news is:
You have options.
As financial advisors who specialize in retirement income planning, we refuse to ask natural savers to become someone they’re not. Instead, we optimize your Social Security and structure the rest of your resources with the goal of providing lasting income.
At Income Associates, we know you’ve likely spent decades being careful with your money, so we believe it’s just plain wrong for your retirement to depend on variables you can’t control. The good news is:
You have options.
As financial advisors who specialize in retirement income planning, we refuse to ask natural savers to become someone they’re not. Instead, we optimize your Social Security and structure the rest of your resources with the goal of providing lasting income.
Our approach.
We help you face your financial reality, then attempt to fix what isn’t working, so you can trust your plan moving forward.
Face it.
01
We start with a complimentary Income Stress Test, a clear-eyed look at what you have, what you may need, and whether your current plan can truly support the life you want.
Fix it.
From there, we tweak—or overhaul—your strategy, starting with optimizing Social Security and repositioning your existing assets to generate reliable income.
02
Trust it.
The result is a written retirement income plan tailored to your specific needs. You can implement it yourself, or we can help—step by step, month by month.
03
Request your complimentary Income Stress Test to start the process with insight, or schedule a call if you prefer to talk first.
TESTIMONIALS
The testimonial(s) presented herein are provided by clients of Income Associates. These clients have not been compensated, directly or indirectly, for their testimonial or endorsement of Income Associates or its services. The experiences and opinions expressed in the testimonials are those of the individual clients and may not be representative of the experiences of all clients. There is no guarantee that all clients will have similar experiences or results. Testimonials are not indicative of future performance or success. Past performance is not a guarantee of future results. Investing involves risk, including the potential loss of principal.
You might be thinking that this sounds great for people with big nest eggs, but what if…
You've been
told you didn't
save enough?
That might be true, if your plan depends on selling off investments every month to create income—a strategy that works when markets rise, but can quickly unravel when they don’t.
We believe our strategy is less fragile and more efficient. It strives to produce predictable lifetime income, often with about half the savings you’d need for a market-based plan. That means, you may not have a savings gap at all.
You may also be wondering...
How is this different than traditional, investment-based retirement planning?
Traditional retirement plans are typically managed by generalist advisors using investment-based accumulation models. That may work while you’re saving—but retirement isn’t about accumulation. It’s about distribution.
When you’re no longer contributing and instead drawing income, the rules change. Relying on market performance month after month to cover your bills creates a fragile plan—and many advisors simply aren’t trained to design anything else.
We’re different. We’re unique. We focus on turning your savings into reliable income—without guesswork or market dependence.
I have a financial plan, do I need a retirement income plan?
A financial plan is often a great start—but many are designed for the accumulation phase of life: saving, growing assets, and building wealth. They often don’t address the real question people face near retirement: “Can I turn what I’ve saved into income that lasts?”
That’s where a retirement income plan comes in. We’re not trying to replace your financial plan—we’re completing it. Our process is designed to give you a clear, written strategy to turn your savings into monthly income you can count on. You’ll get three personalized, math-backed options to choose from—whether you implement it with us or not.
Can I really generate income with 50% less capital? How?
In many cases, yes—because we don’t rely on selling investments to create income.
Market-based retirement plans often require a much larger portfolio just to cover monthly withdrawals. But when we optimize Social Security and design a market-free income stream, you may only need half the capital to reach the same goal.
We’ll show you exactly how in your complimentary Income Stress Test—side-by-side with a market-based approach.
What if we’ve already claimed SS? Can you still help?
Absolutely. While the earlier we meet, the more options we can explore, we can still improve your situation if you’ve already started benefits.
We’ll assess your Social Security strategy alongside your other assets and show you potential steps to integrate everything into a stable, tax-efficient income plan that fits the life you want moving forward.
We’ve been told we’re behind on savings. Can this still work?
It’s possible. Many people feel underfunded—but the problem is often the strategy, not the savings.
Many market-based plans require a lot of capital because they can be fragile and inefficient. We design income plans with the goal of being more stable and capital-efficient—often getting better outcomes with less money.
A good way to know is to run the numbers through a complimentary Income Stress Test. You may have more options than you think.
How much does it cost to work with you?
It depends on the kind of support you’re looking for—but you’ll always know exactly what to expect.
Our one-time, written retirement income plan starts at $2,000. It’s a highly customized, thoroughly researched strategy with the goal of turning your savings into income you can count on. You can implement it yourself, take it to the professional of your choice—or continue working with us.
If you’d like ongoing support or investment management, we’ll walk you through those options and costs after your complimentary Income Stress Test, so the pricing reflects your actual needs—not a generic package.
I want to keep some investments. Can you manage them?
Yes—and we’re equipped to help.
While our income plans aren’t dependent on the stock market, many of our clients choose to keep a portion of their savings invested. That’s a perfectly reasonable option, and we have decades of experience managing portfolios alongside income strategies.
We don’t force anyone into the market—or out of it. If investment management is something you want, we’ll handle it with the same care and discipline we bring to every part of your plan.
I already rolled over my 401(k) into an IRA. Doesn't that mean I'm done?
Not necessarily. Rolling over your 401(k) is just a transaction—it moves your money, but it doesn’t give you a plan.
We often meet people who believe they’ve “checked the box” just by doing the rollover. But without a strategy for how and when to draw income, you’re still exposed to the same risks: market swings, tax surprises, and outliving your money.
A retirement income plan picks up where the rollover leaves off. We show you a potential path to turn what you’ve saved into reliable monthly income—based on your timing, your needs, and your comfort level with risk.
What happens if the market drops right after I retire?
Traditional planners often build your retirement around an average annual return—say 6% or 7%. But retirement doesn’t happen in averages. You likely don’t withdraw your income once a year based on a clean, linear projection. You likely spend it monthly, no matter what the market is doing.
That’s where the danger lies.
If the market drops early in your retirement and you’re relying on withdrawals, you’re forced to sell more shares to generate the same income—locking in losses that your portfolio may never recover from. It’s called sequence of returns risk, and even a well-funded plan can unravel if it starts with just a few bad years.
We don’t design income plans that depend on smooth averages or steady growth. We build plans with the goal of delivering reliable monthly income—even in rough markets—so you don’t have to time your retirement perfectly or live at the mercy of Wall Street.
How does the death of a spouse affect our income plan?
For many couples we serve, the husband has been more involved in the finances—and may be the higher earner with the larger Social Security benefit. If he dies first, the surviving wife often sees her income drop sharply while her expenses stay largely the same.
That’s a risk many plans ignore—and one too many women only discover after it’s too late.
Our planning starts with this question: What happens to her if he’s gone? We model survivorship scenarios from day one—looking at income changes, tax impacts, and long-term care risks—so the surviving spouse isn’t left in a position of fear or financial uncertainty.
If you’re a saver, you’ve done the hard part. Our job is to make sure that effort protects you both—even in the most difficult moments.
This sounds too good to be true. What’s the catch?
We get that a lot—especially from thoughtful people who’ve saved carefully and been let down by vague advice or sales pitches in the past.
Here’s the truth: There’s no catch. But there is real work.
Our process isn’t automated. We don’t just plug your numbers into a software program and hit “print.” We dig in. We look at everything—timing, Social Security, tax exposure, asset mix—and find opportunities that many advisors miss. Then we build three real options for you to consider, based on what you value and what the math supports.
Why does it feel so different? Because this is all we do. We’re income planning specialists—not generalists trying to make retirement fit into an investment playbook. That focus can make all the difference.
What is an Income Stress Test?
The Income Stress Test is a high-level look at whether your current retirement strategy can reliably support the life you want.
We use your real numbers—Social Security timing, savings, income goals, and tax exposure—and test how they hold up across multiple scenarios. You’ll get three side-by-side options:
- One based on what you’re currently doing
- One that likely improves your outcome by optimizing Social Security
- And one that’s more efficient and less market-dependent—tailored to your financial reality
This isn’t your full retirement income plan. It’s a focused first step—designed to show you what’s possible and whether your current approach can actually deliver.
We offer the Stress Test at no cost because it’s the best way to show how we think, how we work, and how your numbers really stack up. Many people choose to keep working with us afterward, though there’s no expectation. You’ll leave with clarity—no matter what you decide next. Request yours here.
I have another question. How should I contact you?
You’ve done the hard part—living responsibly for decades.
Now, it’s time to let that diligence take care of you.
You’ve done the hard part—living responsibly for decades.
Now, it’s time to let that diligence take care of you.
