💰 Why Top Advisors Are Ditching the 4% Rule for Smarter, More Secure Income Plans

Morningstar recently updated its safe withdrawal rate — now suggesting 3.7% is the new benchmark for retirees who want their money to last. For a $5 million portfolio, that means drawing $185,000 per year. But even that “safe” rate comes with risk.

What if you could lock in half of that income with only a quarter of the portfolio — and guarantee it for life?

That’s the power of today’s Fixed Indexed Annuities with income riders.

🔒 Real Income, Real Security

By allocating just 27% of the portfolio to a top-performing FIA, clients can lock in over $92,000 of annual income — for life. That means:

• ✅ Less stress about markets

• ✅ More freedom to grow other assets

• ✅ More room to plan for health care, LTC, or legacy

With a base level of retirement income secured, your clients can take a more confident, longer-term approach with the rest of their money.

📊 Smarter Portfolios, Not Just Safer

This isn’t about abandoning investment portfolios. It’s about giving clients permission to grow without fear. Monte Carlo simulations show better retirement outcomes when guaranteed income is layered in.

And unlike outdated views of annuities, you don’t need to allocate the entire portfolio. A strategic portion gets the job done — and opens up planning options for:

• Long-term care coverage

• Asset-based protection strategies

• Legacy enhancement using fixed life insurance

🚀 Want to Show Clients How?

We can help you build a personalized income plan — complete with side-by-side comparisons, Monte Carlo modeling, and illustrations of how annuities improve the outcome.

Let’s talk about your next case.