Saving for retirement is one job. Making that money last thirty years — through market swings, rising costs, and a longer life than you planned for — is another. We help retirees, those approaching retirement, and business owners build a dependable retirement paycheck, with protection built in and every option explained in plain English.
Jason Foster doesn't just advise on retirement — he helps lead the profession that does. A record earned over 25 years and recognized by his peers.
For thirty years the goal was simple: save more, grow more, watch the balance climb. The day you retire, the question flips entirely — how do you turn that balance into a paycheck that covers your life, survives a bad year in the market, and doesn't run out before you do? That's a different problem, and it needs a different plan. Our work is building that plan: income first, protection built in, and clarity about exactly what is and isn't guaranteed.
Strategies designed to provide income you can't outlive — guaranteed* by the issuing carrier, not the stock market.
Learn more →Principal protection and the option of guaranteed* income for the part of your money that simply can't go backward.
Learn more →When you claim can mean tens of thousands of dollars over a lifetime. We help you weigh the trade-offs for your situation.
Learn more →The order you draw from accounts can make savings last longer and keep more in your pocket after tax.
Learn more →Protect against the one-two punch of a downturn early in retirement and a life that lasts longer than the money was built for.
Learn more →Protection that secures your family — and, structured right, becomes a tax-advantaged asset you can use while living.
Learn more →Keep more of what you've built in the family and out of probate, with a plan that holds up alongside your CPA and attorney.
Learn more →Turn years of business income into a personal retirement paycheck — and plan an exit that funds the life you want next.
Learn more →A focused conversation about your savings, your goals, your timeline, and what "enough" looks like for you. No pitch — if we're not a fit, you'll know fast.
A clear plan showing how your savings can become reliable income — with protection against market downturns and a longer-than-expected life built in.
We put the plan in place and review it as markets, tax law, and your life change — so your income strategy keeps working.
We focus on the paycheck, not just the account balance. The goal is money that lasts — not a number on a statement.
Guiding people and business owners through the shift from saving to living on their savings since 2001.
A qualifying member of the Million Dollar Round Table for more than a decade — recognition earned through client results and integrity.
Where we use annuities, we show you exactly what is guaranteed, who backs it, and the trade-offs — before you decide anything.
Based in California and LACP-credentialed, working with clients in multiple states. CA Insurance License #0E57292.
Education first. If a strategy or product isn't right for you, we'll tell you — plainly.
Most people spend thirty years saving for retirement and almost no time planning how to actually live on it. My work is making sure the money you worked for turns into income you can count on — for as long as you live.
The initial retirement income review is free, with no obligation. Where we place insurance or annuity products, we're typically compensated by the issuing carrier — not through an out-of-pocket fee to you. We'll always be clear about how we're paid.
No. Annuities fit specific situations and come with trade-offs — including limited liquidity and surrender charges if you withdraw early. We only consider one when it fits your time horizon, your income goals, and your overall financial picture. Suitability comes first, always.
Guarantees on fixed and fixed indexed annuities are backed by the claims-paying ability of the issuing insurance carrier — not by the stock market, and they are not FDIC insured. We'll show you exactly what is guaranteed, what isn't, and who stands behind it before you commit to anything.
No. A sound income plan usually positions a portion of your savings for protected, dependable income while keeping the rest accessible and invested for growth and flexibility. The right mix depends on your situation.
The years just before and just after you retire matter most — a market downturn in that window can do lasting damage to a portfolio you're drawing from. The earlier we plan your claiming and withdrawal strategy, the more options you have.
A free, no-pressure income review. We'll show you how your savings can become income designed to last — and answer every question before you decide anything.