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In just 7-minutes, learn about the strategy that creates a foundation of secure income that pays you for as long as you live.
David Macchia, MBA, RMA, CBBF
Why a retirement income program just for women? The research is clear:
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Men and women have different priorities when it comes to money
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The financial community typically serves-up more risk than women want to take
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Male financial advisors often alienate women
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Women prefer to reduce risk, not pick stocks
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Women are more concerned about outliving their money
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A synergy is created by strategically combining annuities.
A host of benefits for savers.
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Guaranteed lifetime income
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Safety-of-principal
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No market risk
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Two income step-ups
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Tax-deferred growth
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Reasonable levels of liquidity consistent with safety
Income
Years 11+
Immediate
Income
Income
Years 6 - 10
"Wealth Ladders Women is the secure foundation of a well-designed plan for retirement income."
Long-Term
Savings
HOW IT WORKS
Savings is allocated to four distinct pools of money.
B.
Each Segment is funded by an annuity,
Each Segment has a specific job to do.
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Guaranteed Monthly Income
Years 1-5
Guaranteed Monthly Income
Years 6-10
Lifetime Monthly Income
Years 11 +
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Tax-Deferred
Growth of Savings
Wealth Ladders Women combines annuities to provide guaranteed monthly income over specific phases of retirement.
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LIFETIME, GUARANTEED INCOME
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3-Segments are "Laddered" to Create Lifetime
Guaranteed Income, with Increases.
5-Years
5-Years
INCREASE
LIFETIME GUARANTEED INCOME
INCREASE
OLD AGE
RETIREMENT
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"The Time-Capsule Segment is All About Savings."
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Emergencies
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Medical expenses
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Household repairs
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A source of cash when needed
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Your custom plan for creating safe and secure retirement income.
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Shows how your savings is allocated.
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Shows guaranteed and hypothetical results.
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Show how income steps-up
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Includes your Social Security and any other income sources
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Reflects your goals and objectives
The Wealth Ladders Women Personalized Analysis
"A good income plan begins with a strong foundation."
PLEASE READ: The explanation above is of a general nature. No specific annuity contract or particular insurer is referenced. Ask questions about any annuity recommended. Become knowledgeable about any penalties for withdrawing money early. Insurance agents are required to provide you specific disclosure information on each annuity they recommend. Understanding creates confidence. Benefits from annuities are subject to the claims-paying ability of the issuing insurance company.
About David
A nationally-recognized authority in the field of retirement income planning, David Macchia is an author, entrepreneur and public speaker whose work is focused on enhancing retirement security in the U.S. Well known for his numerous marketing innovations, David is the developer of several of the industry's most successful retirement income solutions, inducing The Income for Life Model, and Women & Income, the first retirement income solution developed expressly for "boomer" women.
David has written dozens of articles on the subject of retirement income planning, and two books, Lucky Retiree and Constrained Investor. David earned an MBA, with Honors, from Boston University's Questrom School of Business. He holds the RMA and CBBF professional designations. David is Senior Board Advisor to the non-profit Federation of Americans for Consumer Choice. He has served as Senior Consultant to LIMRA, and Director of the non-profit Retirement Income Industry Association.