Stress test your retirement plan.
Forget averages. Request your Complimentary Income Stress Test to compare three realistic income strategies—each built around your Social Security decisions, savings, timeline, taxes, and risk.
Submit your information, and we’ll send over a brief intake form (just a few ballpark numbers).
Many people only see the optimistic version of their retirement plan—
based on historical averages, assumptions, and smooth projections.
But real life doesn’t wait for the market to recover.
Retirement income is needed every month, ready or not.
Have enough?
You deserve to know how your plan holds up even when the market dips, inflation climbs, or timing is off.
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.
What you get.
Three retirement income strategies modeled on your real-life scenarios.
STRATEGY #1
Your Current Plan
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We start by modeling what you’re already planning—or what you’ve been shown elsewhere. This gives you a baseline to see how your current approach holds up over time and whether it can reliably meet your income goals.
STRATEGY #2
Delayed Social Security
Next, we explore our specialty: what happens if you delay Social Security and adjust the drawdown strategy. This version helps you understand the tradeoffs—how delaying benefits affects taxes, income sustainability, and personal savings requirements.
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STRATEGY #3
Our Best Recommendation
This third scenario is built by me, Kurt Jamiel. I’ve been doing retirement income planning for decades, and I use that experience—along with a wide range of tools and strategies—to design a path that fits your goals, timeline, and comfort with risk.
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How can this be offered at no cost?
This work takes time and experience—often we invest several hours or even a whole day. But we offer it on a complimentary basis because we believe everyone deserves clarity before making life-shaping financial decisions.
If you choose to hire us to help you implement the plan you choose, great! It’s a win-win. If not, that’s okay too. Enough people choose to work with us that it balances out in the end. Either way, we’ve moved our mission forward by helping another family take the “fingers crossed” out of retirement.
It’s our pleasure.
Let's address all the elephants in the room.
Is this really offered complimentary?
Yes. There’s no payment, no fine print, and no surprise pitch. We hope that you choose to work with us to implement your plan (when it makes sense for both of us), but there’s no expectation that you will. Seriously, no awkward moments.
Is my information secure?
Yes. Your data is kept private and never shared or sold. We use secure tools to collect and model your information, and only our team will ever see it.
How accurate is it if I’m just giving ballpark numbers?
Ballpark is enough to start. We’ve designed this process to give you meaningful insight quickly. If we continue working together, we’ll refine it further as we go.
Will this take a lot of time or paperwork?
Not at all. It starts with a short form and a conversation. You don’t need to gather account statements or enter dozens of data points. Most say it takes around 15 minutes to respond to our initial email. If it’s easier, we can jump on a quick call to help you fill out the short intake form—it makes our job easier in the long run, so we’re happy to!
What exactly will I get?
You’ll see three side-by-side retirement income strategies, each modeled with your own numbers as outlined above. You also get a no-cost conversation with me, Kurt, to review our findings (not a secret sales pitch).
Is this only for people close to retirement?
Not at all. Most people who benefit from this are within 5–10 years of retirement, but if you’re thinking ahead and want to make smarter decisions now, this will give you clarity early.
What if I already have a financial advisor?
That’s no problem at all. Many folks who already have an advisor choose to work with us, too. Yes, we’re also financial advisors, but our specialty is likely very different from theirs. Many advisors focus on growing your money. We focus on helping you use it wisely for retirement income so it lasts for life.
Will this show me if I’m behind on savings?
Yes, and if you are, we’ll show you what it would take to close the gap. But many people find they’re not as behind as they feared—they just need a more efficient plan.
What happens after the Income Stress Test?
You’re free to take the insights and use them however you’d like. There’s no obligation. If you want help developing the plan further, we’re happy to provide a quote to build it out with more detail. You can take that plan to your current advisor or ask us to handle the implementation. It’s entirely up to you.
Because you don’t have to just hope it all works out.
See your retirement reality.
Because you don’t have to just hope it all works out.
See your retirement reality.
