--- title: Retirement Income Planning | The Key Financial — Annuities & Guaranteed Income description: Create guaranteed retirement income you can't outlive. Aria Keyoumarsi specializes in fixed index annuities, MYGAs, and income strategies. Free consultation. --- [The Key Financial](https://thekeyfinancial.com?hsLang=en) - [About](https://thekeyfinancial.com?hsLang=en#about) - [Life Insurance](https://thekeyfinancial.com/life-insurance?hsLang=en) - [Retirement Income](https://thekeyfinancial.com/retirement-income) - [Long-Term Care](https://thekeyfinancial.com/long-term-care?hsLang=en) - [Disability](https://thekeyfinancial.com/disability-insurance?hsLang=en) [Free Checklist](https://share-na2.hsforms.com/1u_2NLlafS--8QzX5X6QFQgrkm7r) [Book Free Call](https://thekeyfinancial.com/meetings/aria-keyoumarsi?hsLang=en) [Home](https://thekeyfinancial.com?hsLang=en)›**Retirement Income** # Turn Your Savings Into Income *You Can Never Outlive* Outliving your money is one of the greatest retirement risks. We specialize in building guaranteed income streams — using annuities and proven strategies — so you can retire with confidence, not anxiety. [Get My Retirement Income Plan →](https://thekeyfinancial.com/meetings/aria-keyoumarsi?hsLang=en) [Download Free Checklist](https://share-na2.hsforms.com/1u_2NLlafS--8QzX5X6QFQgrkm7r) The Problem Most People Face ## Your 401(k) Is Not a Retirement Income Plan — It's a Savings Account A 401(k) grows your wealth during your working years — but it doesn't tell you how to turn that pile of money into a reliable monthly paycheck that lasts 20–30 years. That's a completely different challenge, and most people have no plan for it. The risk is real: if you withdraw too much too soon, or the market crashes early in your retirement, you could run out of money in your 80s — when you need it most. **⚠️ Sequence of Returns Risk:** A market downturn in the first 5 years of retirement — even a temporary one — can permanently reduce how long your money lasts. Unlike during your working years, you can't "wait out" a bad market when you're withdrawing every month. - Social Security replaces only ~40% of pre-retirement income for the average earner - Most retirees need 70–90% of their pre-retirement income to maintain lifestyle - The average retirement lasts 20–30 years — your money must last just as long - Inflation erodes purchasing power by ~40% over 20 years at 2.5% per year ### The 3 Sources of Retirement Income 1. Social Security Guaranteed but usually not enough. Average benefit: ~$1,907/month in 2024. Maximize by choosing the right start date. 2. Personal Savings (401k, IRA) Subject to market risk and withdrawal rate risk. Needs careful management to last 20–30 years. 3. Guaranteed Income (Annuities) ← The Missing Piece Creates a personal pension-like paycheck for life. Protects from market risk, longevity risk, and sequence-of-returns risk. Our Retirement Solutions ## Annuity Options Explained Simply Annuities have a bad reputation because they've often been sold wrong. The right annuity, structured correctly, is one of the most powerful retirement income tools available. ### Fixed Annuity Earn a guaranteed, fixed interest rate for a set period. Similar to a CD but with tax-deferred growth and often higher rates. Simple, safe, and predictable. Good For: Conservative savers · Near-retirees · Parking rollover funds safely ### Fixed Index Annuity (FIA) Growth linked to a market index (like the S&P 500) with a guaranteed 0% floor — you never lose principal due to market drops. Upside participation with downside protection. ⭐ Most Popular Choice: Pre-retirees · Anyone who wants growth without market risk ### MYGA (Multi-Year Guaranteed Annuity) Like a fixed annuity but with a guaranteed rate locked in for multiple years (3, 5, 7, or 10). Often offers higher rates than traditional CDs with the same safety. Good For: CD alternatives · Guaranteed growth · Tax-deferred savings Our Approach ## How We Build Your Retirement Income Plan We don't just sell products — we engineer a complete income strategy tailored to your timeline, lifestyle, and risk tolerance. 🗓️ ### Step 1: Income Gap Analysis Calculate exactly how much guaranteed income you need vs. what Social Security provides. Identify the gap. 🧩 ### Step 2: Bucket Strategy Divide assets into short-term (liquid), mid-term (protected growth), and long-term (legacy) buckets. 🏦 ### Step 3: Carrier Shopping Compare 30+ carriers for the best rates, riders, and income guarantees specific to your age and goals. ♻️ ### Step 4: Annual Reviews Your retirement plan is reviewed every year to keep pace with life changes, inflation, and new product options. Common Questions ## Retirement Income FAQs Are annuities safe? Fixed and fixed index annuities are backed by the insurance company's general account and are not subject to stock market losses. They are regulated by state insurance departments. We only recommend financially strong, A-rated carriers. What happens to my annuity when I die? Most annuities include a death benefit that passes the remaining value to your named beneficiaries — avoiding probate. Many also include enhanced death benefit riders for additional protection. Can I still access my money if I need it? Yes. Most annuities allow penalty-free withdrawals of 10% per year during the surrender period. Many also include waivers for nursing home confinement, terminal illness, or other hardship situations. Is a fixed index annuity the same as investing in the stock market? No — and that's the key benefit. Your money is not invested in the market directly. Instead, your growth is credited based on a market index's performance, with a guaranteed floor of 0%. You participate in gains without exposure to losses. When should I start planning for retirement income? The ideal window is 5–15 years before your target retirement date. This gives you enough time to let protected growth strategies compound and lock in favorable terms. The longer you wait, the fewer options you have. ## Let's Build Your Retirement Paycheck — Together A free 30-minute call is all it takes to map out your retirement income picture and find out which strategies fit your timeline and goals. [Book My Free Retirement Review →](https://thekeyfinancial.com/meetings/aria-keyoumarsi?hsLang=en) [Download Free Checklist](https://thekeyfinancial.com?hsLang=en#lead-magnet) The Key Financial Independent insurance solutions for families, pre-retirees, and business owners. We work for you — not an insurance company. 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Protection · Retirement Income · Long-Term Care · Disability Insurance The Key Financial is an independent insurance services firm. Life insurance, annuity, long-term care, and disability insurance products are offered through licensed independent agents. This website is for informational and educational purposes only and does not constitute financial, legal, or tax advice. Insurance products are not FDIC insured and are not bank guaranteed.