Retirement Plans Question? Would you feel better if you knew you and your spouse would not run out of money when you retire?The assets you have accumulated for your retirement may be in a 401 (k) plan, an IRA, a company pension, individual investments but most likely a combination of all those things.The hard decision is how to convert those funds into a Paycheck for life. Picking investments when your salary is still coming in every two weeks is much easier than deciding which of those investments to sell to provide income. It sounds easy when advisors talk about the 4% rule and Monte Carlo simulations but in practice, it can be an ever increasing stress issue. This level of stress increases with age and our ability to calmly evaluate market changes increases the chance of a grave error.After the worry of running out of money comes the uncertainty involving medical costs. Will there be enough funds available for medical needs as well as income needs? We work with you to find the right combination of products to help secure a lifetime income while also working to anticipate the need for funds for your health care.Longevity Annuities are one of the ways you can guarantee funds will be available to help. Guarantees are based on the claims-paying ability of the issuing insurance company.