Plan for retirement
Plan for Retirement
Secure Tomorrow, Starting Today
A comfortable retirement doesn’t happen by accident—it’s the result of intentional, strategic planning. At Life Solutions by TQ, I help you create a retirement strategy tailored to your lifestyle goals, risk tolerance, and timeline. Together, we’ll build a plan that considers income needs, potential healthcare costs, and inflation—ensuring your retirement years are not only sustainable but enjoyable. I’m dedicated to helping you find solutions that offer both stability and flexibility, so you can move into your next chapter with peace of mind.
Imagine knowing you’ll never outlive your income.
Imagine retiring without fear.
Imagine living today with the freedom of tomorrow already secured.
Retirement With Confidence
Markets rise and fall. Your retirement shouldn't.
We help our clients harness the power of fixed indexed annuities—financial tools that offer the opportunity for growth without market loss and provide guaranteed lifetime income. It’s not just about investing—it’s about protecting your future, your family, and your peace of mind. It’s a powerful way to protect your nest egg and bring certainty to your retirement plan.
Customized Retirement Solutions
Your financial future isn’t one-size-fits-all. That’s why we offer personalized strategies to help you protect, grow, and enjoy what you’ve worked so hard to build.
You’ve Worked a Lifetime to Save — What Comes Next?
Why Decumulation Matters in Retirement
Most people spend their working years focused on building their retirement savings, but the real challenge begins when it’s time to start using those funds wisely. This stage, called
decumulation, is about turning your savings into a steady, reliable income that can support you for the rest of your life. Without a solid strategy, retirees risk running out of money too soon, having to cut back on their spending, or losing significant savings to market downturns and unexpected expenses like healthcare or long-term care.
At Life Solutions by TQ, I am committed to helping you navigate this critical phase with confidence. Using proven strategies like Fixed Indexed Annuities, I help protect your retirement nest egg from market volatility while creating income you can’t outlive. With a carefully designed decumulation plan, you gain peace of mind knowing your savings will last — giving you the freedom to focus on what truly matters: living the retirement you’ve worked so hard to achieve.
Decumulation is one of the most important — and most overlooked — stages of retirement planning. Let’s design a strategy to make your money last.
Plan for retirement
Plan for Retirement
Secure Tomorrow, Starting Today
A comfortable retirement doesn’t happen by accident—it’s the result of intentional, strategic planning. At Life Solutions by TQ, I help you create a retirement strategy tailored to your lifestyle goals, risk tolerance, and timeline. Together, we’ll build a plan that considers income needs, potential healthcare costs, and inflation—ensuring your retirement years are not only sustainable but enjoyable. I’m dedicated to helping you find solutions that offer both stability and flexibility, so you can move into your next chapter with peace of mind.
Imagine knowing you’ll never outlive your income.
Imagine retiring without fear.
Imagine living today with the freedom of tomorrow already secured.
Retirement With Confidence
Markets rise and fall. Your retirement shouldn't.
We help our clients harness the power of fixed indexed annuities—financial tools that offer the opportunity for growth without market loss and provide guaranteed lifetime income. It’s not just about investing—it’s about protecting your future, your family, and your peace of mind. It’s a powerful way to protect your nest egg and bring certainty to your retirement plan.
Customized Retirement Solutions
Your financial future isn’t one-size-fits-all. That’s why we offer personalized strategies to help you protect, grow, and enjoy what you’ve worked so hard to build.
You’ve Worked a Lifetime to Save — What Comes Next?
Why Decumulation Matters in Retirement
Most people spend their working years focused on building their retirement savings, but the real challenge begins when it’s time to start using those funds wisely. This stage, called
decumulation, is about turning your savings into a steady, reliable income that can support you for the rest of your life. Without a solid strategy, retirees risk running out of money too soon, having to cut back on their spending, or losing significant savings to market downturns and unexpected expenses like healthcare or long-term care.
At Life Solutions by TQ, I am committed to helping you navigate this critical phase with confidence. Using proven strategies like Fixed Indexed Annuities, I help protect your retirement nest egg from market volatility while creating income you can’t outlive. With a carefully designed decumulation plan, you gain peace of mind knowing your savings will last — giving you the freedom to focus on what truly matters: living the retirement you’ve worked so hard to achieve.
Decumulation is one of the most important — and most overlooked — stages of retirement planning. Let’s design a strategy to make your money last.
Frequently Asked Questions
Retirement Planning
I already have a financial advisor, why would I work with an insurance agent too?
The money you’ve invested with a financial advisor is often tied to the ups and downs of the stock market. A Fixed Indexed Annuity (FIA) can provide a strong foundation for your retirement plan by protecting part of your retirement savings from market volatility.
Think of it as creating two financial buckets:
One portion can stay invested for growth potential, and
Another portion goes into an FIA, where it’s shielded from market losses while still earning interest over time.
A Fixed Indexed Annuity can serve two important purposes:
Provide a legacy for the people you care about most, or
Turn into guaranteed lifetime income that you can count on, no matter how long you live.
By adding an annuity, you gain confidence and peace of mind, knowing a part of your retirement savings will always be there—no matter what the market does.
Can you help me even if I am already retired?
Yes. It’s never too late to take a fresh look at your financial plan. By moving a portion of your retirement savings into a Fixed Indexed Annuity (FIA), you can help protect your money from the ups and downs of the stock market.
Depending on the policy you choose, you may even have the option to start receiving income right away—giving you greater stability and confidence in your retirement.
Can you help me with a retirement plan from my previous employer?
Yes. If you have a retirement plan (401k, 403b, 457, TSP) from a previous employer, you are most likely still paying management fees to keep it there. It can be transferred to a fixed indexed annuity where your money can continue to grow and be safe from market loss. As your guide through this process, I can help you avoid costly mistakes and penalties when transferring funds between accounts; however, you should always get guidance from your CPA when it comes to anything related to taxes.
I don’t need or want life insurance, what can you do for me?
Whether you’ve been saving for retirement for years or are just getting started, I can help you explore financial strategies that offer protection from market volatility, the potential for growth, and the security of lifetime income. Unlike life insurance, these strategies don’t require medical underwriting.
What if other people are telling me that annuities are not a good thing?
Annuities have changed drastically over the years and people may be referring to the older style of annuity products because they are not aware of the new changes.
Annuity definition: a contract between you and an insurance company. You pay the company premiums, either over time or in one lump sum, and in return, the company provides you with a series of regular payments that can start immediately or at a future date. Annuities provide you with peace of mind that your money will be there when you need it most.
Fixed Indexed Annuities are a newer option in the annuity world, designed to offer both protection and growth potential. They give you peace of mind by helping shield your savings from significant market downturns - a benefit that can be especially important if you don't have the time or flexibility to recover from major losses.
What questions should I ask my financial professional, especially as I approach retirement?
a) Do you offer any products that can protect my savings from market losses?
b) How does it benefit me to keep my money at risk in the market now that I’m retired?
c) Do you offer annuities that provide lifetime income? If so, do they have management fees, and are they protected from market downturns?
d) What are your management fees, and are they deducted directly from my retirement funds?
e) If there’s a way to keep my principal and earnings safe from market loss and have guaranteed income for life, wouldn’t it make sense to consider that strategy?
What is a Fixed Indexed Annuity (FIA)?
A fixed indexed annuity provides you with the ability to grow your money (upside potential) without the risk of loss due to a market downturn (downside protection). Interest is credited to your policy based on the performance of market indices. This is accomplished using a “ceiling” and a “floor”. A ceiling is the maximum gain in interest you can earn (otherwise know as a “cap”), while a floor ensures that your principal is protected from losses, generally providing a minimum return of 0% interest.
Does it matter when I retire?
Yes. As you approach retirement, the five years before you retire and the five years after are critical—especially if your retirement savings are invested in the stock market. This 10-year period is known as the Retirement Risk Zone. If you incur financial losses from a market downturn in the five years before you retire, there may not be enough time to recover from those losses before your intended retirement date. The early stages of the Retirement Risk Zone play a crucial role in determining how long your retirement savings will last.
Are annuities only for older people who are getting ready to retire?
No. An annuity may be a good choice for your long-term goals, such as saving for retirement. You are never too young to plan for your future. If you think you may need to access these funds before you are 59 ½ years old, an annuity may not be the right savings vehicle for you. However, if you start contributing to an annuity while you are young and you use it as a long-term growth strategy, it can serve as a valuable part of your retirement planning portfolio as you get older.
How do life insurance agents who sell annuities get paid?
Life insurance agents get paid directly from an insurance company in the form of a commision, which is not deducted from your retirement funds.
Frequently Asked Questions
Retirement Planning
I already have a financial advisor, why would I work with an insurance agent too?
The money you’ve invested with a financial advisor is often tied to the ups and downs of the stock market. A Fixed Indexed Annuity (FIA) can provide a strong foundation for your retirement plan by protecting part of your retirement savings from market volatility.
Think of it as creating two financial buckets:
One portion can stay invested for growth potential, and
Another portion goes into an FIA, where it’s shielded from market losses while still earning interest over time.
A Fixed Indexed Annuity can serve two important purposes:
Provide a legacy for the people you care about most, or
Turn into guaranteed lifetime income that you can count on, no matter how long you live.
By adding an annuity, you gain confidence and peace of mind, knowing a part of your retirement savings will always be there—no matter what the market does.
Can you help me even if I am already retired?
Yes. It’s never too late to take a fresh look at your financial plan. By moving a portion of your retirement savings into a Fixed Indexed Annuity (FIA), you can help protect your money from the ups and downs of the stock market.
Depending on the policy you choose, you may even have the option to start receiving income right away—giving you greater stability and confidence in your retirement.
Can you help me with a retirement plan from my previous employer?
Yes. If you have a retirement plan (401k, 403b, 457, TSP) from a previous employer, you are most likely still paying management fees to keep it there. It can be transferred to a fixed indexed annuity where your money can continue to grow and be safe from market loss. As your guide through this process, I can help you avoid costly mistakes and penalties when transferring funds between accounts; however, you should always get guidance from your CPA when it comes to anything related to taxes.
I don’t need or want life insurance, what can you do for me?
Whether you’ve been saving for retirement for years or are just getting started, I can help you explore financial strategies that offer protection from market volatility, the potential for growth, and the security of lifetime income. Unlike life insurance, these strategies don’t require medical underwriting.
What if other people are telling me that annuities are not a good thing?
Annuities have changed drastically over the years and people may be referring to the older style of annuity products because they are not aware of the new changes.
Annuity definition: a contract between you and an insurance company. You pay the company premiums, either over time or in one lump sum, and in return, the company provides you with a series of regular payments that can start immediately or at a future date. Annuities provide you with peace of mind that your money will be there when you need it most.
Fixed Indexed Annuities are a newer option in the annuity world, designed to offer both protection and growth potential. They give you peace of mind by helping shield your savings from significant market downturns - a benefit that can be especially important if you don't have the time or flexibility to recover from major losses.
What questions should I ask my financial professional, especially as I approach retirement?
a) Do you offer any products that can protect my savings from market losses?
b) How does it benefit me to keep my money at risk in the market now that I’m retired?
c) Do you offer annuities that provide lifetime income? If so, do they have management fees, and are they protected from market downturns?
d) What are your management fees, and are they deducted directly from my retirement funds?
e) If there’s a way to keep my principal and earnings safe from market loss and have guaranteed income for life, wouldn’t it make sense to consider that strategy?
What is a Fixed Indexed Annuity (FIA)?
A fixed indexed annuity provides you with the ability to grow your money (upside potential) without the risk of loss due to a market downturn (downside protection). Interest is credited to your policy based on the performance of market indices. This is accomplished using a “ceiling” and a “floor”. A ceiling is the maximum gain in interest you can earn (otherwise know as a “cap”), while a floor ensures that your principal is protected from losses, generally providing a minimum return of 0% interest.
Does it matter when I retire?
Yes. As you approach retirement, the five years before you retire and the five years after are critical—especially if your retirement savings are invested in the stock market. This 10-year period is known as the Retirement Risk Zone. If you incur financial losses from a market downturn in the five years before you retire, there may not be enough time to recover from those losses before your intended retirement date. The early stages of the Retirement Risk Zone play a crucial role in determining how long your retirement savings will last.
Are annuities only for older people who are getting ready to retire?
No. An annuity may be a good choice for your long-term goals, such as saving for retirement. You are never too young to plan for your future. If you think you may need to access these funds before you are 59 ½ years old, an annuity may not be the right savings vehicle for you. However, if you start contributing to an annuity while you are young and you use it as a long-term growth strategy, it can serve as a valuable part of your retirement planning portfolio as you get older.
How do life insurance agents who sell annuities get paid?
Life insurance agents get paid directly from an insurance company in the form of a commision, which is not deducted from your retirement funds.