You know how to build. You built a business. What most business owners discover too late is that their 401(k) was built for accumulation — not for the question retirement actually asks: what is my guaranteed income when I can no longer protect it myself?
Complimentary · 45 minutes · Serving business owners virtually nationwide
Not ready yet? Watch the complimentary webinar first. · Calculate your income gap first.
The gap between the retirement you planned and the retirement you will actually live is not a knowledge gap. It is not even a savings gap. It is an architecture gap. And architecture is something we can build — together — right now, regardless of where you are starting from.
For business owners, Tax Risk and Longevity Risk are elevated to co-primary. Understanding why determines everything about how the blueprint is built.
Every one of these forces has a specific structure architected to resolve it. All six. Not just the ones your current approach happens to address.
Guarantees referenced above are backed by the financial strength and claims-paying ability of the issuing institution, rated A or higher by AM Best. Pillar One tax-advantaged treatment applies to policy loans against accumulated cash value under current federal life insurance tax law (IRC §72(e)), conditional on the architecture remaining in force and not being classified as a Modified Endowment Contract under IRC §7702A. Tax laws are subject to change. Access to capital is subject to the structure's liquidity timeline. Specific features and income amounts depend on contract terms, age, health, and funding. Individual outcomes vary. This material is for educational purposes only.
Accumulation answers one question: how much do I have? Retirement asks a harder one: what does that reliably pay me, every month, after taxes, for as long as I live — and what happens to the people who depend on me if I am not here to manage it? The 360° LIFE DESIGN™ process is how we answer the second question with a number instead of a hope.
The distance between the monthly income you intend to live on and what your holdings are projected to produce — using your numbers, not averages.
We project the impact of the six forces working against that income — longevity, taxes, inflation, market timing, mortality, and the cost of care.
The architecture that closes your specific gap, and what each structure does against each of the six forces.
Your blueprint. Written, specific, and yours — whether or not you ever work with us.
The objective of the work is an income floor — a base of monthly income that holds regardless of what the market does the year you step back. Building that floor is an architectural question, and it is answered against your numbers, in the session. This is what your accumulation strategy was never designed to create.
Different industries. Different timelines. One thing in common: they finally had a plan as precise as the business they built.
The OASI trust fund is projected to deplete in 2032. At that point, the average Social Security benefit of $2,071/month drops to approximately $1,616. Age-based qualification windows for certain income structures close as you get older. Every year you wait to establish a tax-advantaged income strategy is a year of after-tax compounding you do not get back. The session costs nothing. The delay does.
A complimentary 45-minute 360° LIFE DESIGN™ Strategy Session. Your personal Income Gap Analysis. Your Six-Force Stress Test. Your blueprint — specific to your age, your assets, and your goals. Your actual numbers. Your actual gap. Your actual blueprint.
Reserve Your Session
Click below to access the booking calendar and select your preferred date and time. Sessions are available in English and Spanish.
Complimentary · English or Spanish · 45 Minutes · Google Meet