Retirement Planning
Income you can’t outlive.
Roll over old accounts, protect your savings from market loss, and build tax-advantaged income for life — with strategies tailored to your goals.
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Explore retirement planning
Build a retirement income plan that lasts
Every situation is different — choose the option that fits, or talk to a licensed advisor.
Why American Insurance
What you get when you work with us
- Roll over old 401(k)s and IRAs without tax surprises.
- Guaranteed income options you can’t outlive.
- Strategies designed to help reduce exposure to market volatility.
- Tax-advantaged strategies to keep more of what you saved.
Licensed & Independent Se Habla Espanol
What’s really on your mind
The questions that keep people up at night
Retirement planning isn’t about products. It’s about knowing you’re going to be okay. These are the questions we hear most.
Will I have enough to retire?We’ll show you where you stand today and what it would take to get where you want to be.
Can my savings last?Longevity is the risk nobody plans for. We build income strategies designed to keep going.
Am I taking too much market risk?As you get closer to retirement, protecting what you’ve saved often matters more than chasing growth.
How do I create dependable income?Turning a nest egg into a monthly paycheck is its own skill. That’s the work we do.
How do taxes affect my income?When and how you withdraw can matter as much as how much you saved.
How do I leave money to my family?We coordinate your plan so what’s left passes efficiently to the people you choose.
Whether you’re preparing for retirement or already retired, we’ll help you understand your options, review your savings, and create an income strategy designed around your goals.
Who we help
You’re probably in one of these
Approaching retirement
Getting ready
- Within 10 years of retiring
- Leaving an employer or being laid off
- Rolling over an old 401(k)
- Wondering if you’ve saved enough
Already retired
Making it last
- Recently retired and setting up income
- Looking for dependable lifetime income
- Concerned about market volatility
- Planning what you’ll leave behind
Retirement income planningA strategy for turning savings into a paycheck.
Social Security strategiesWhen you claim can change your lifetime benefit significantly.
RMD guidanceRequired minimum distributions, handled correctly and on time.
Long-term care strategiesPlanning for care costs before they become a crisis.
Legacy & wealth transferPassing assets to the next generation efficiently.
401(k) & IRA rolloversGuidance when you change jobs or retire.
Plain English
Understanding your options
A few comparisons that come up in almost every conversation.
Annuities
Fixed vs. Indexed
- Fixed
- A set interest rate for a set term. Predictable and simple.
- Indexed
- Growth linked to a market index, typically with a floor limiting losses and a cap limiting gains.
- Common use
- Both are used to create income and reduce exposure to market swings.
Accounts
IRA vs. 401(k)
- 401(k)
- Employer-sponsored, often with a match, but limited to the plan’s investment menu.
- IRA
- You control it, usually with far more investment choices and flexibility.
- Common use
- Many people roll an old 401(k) into an IRA when they leave an employer.
Taxes
Taxable vs. Tax-advantaged
- Taxable
- Withdrawals are generally taxed as ordinary income in retirement.
- Tax-advantaged
- Certain vehicles offer tax-deferred growth or potentially tax-free distributions if structured properly.
- Common use
- A mix of account types gives you more control over your taxable income each year.
This information is general and educational. Guarantees are based on the claims-paying ability of the issuing insurance company. Tax treatment depends on your individual circumstances and current law — please consult a qualified tax advisor. We are not tax or legal advisors.
Good to know
Common questions
Should I roll over my old 401(k)?
It depends. You can usually leave it, roll it to an IRA, move it to a new employer’s plan, or cash out (typically the costliest option). Each has trade-offs around fees, investment choices, creditor protection, and taxes. We’ll walk through them with you at no cost.
What is an annuity?
An annuity is a contract with an insurance company, often used to create income you can’t outlive. There are several types with meaningfully different features and costs — we’ll explain the trade-offs clearly rather than pushing one product.
How much income will I need in retirement?
A common rule of thumb is 70–80% of your pre-retirement income, but it really depends on your plans, health care costs, mortgage status, and lifestyle. We’ll build the estimate around your actual situation.
Can I reduce exposure to market volatility?
There are strategies designed to help reduce exposure to market swings, including certain annuity products and allocation changes as you approach retirement. Every option involves trade-offs, and we’ll be straightforward about them.
How do taxes affect retirement income?
Withdrawals from different account types are taxed differently, and the order you draw from them can change what you keep. Coordinating this with your CPA is one of the highest-value things we do.
How can I leave money to my family?
Through beneficiary designations, life insurance, trust coordination, and thoughtful account structuring. We work alongside your attorney and CPA so the pieces line up.
Ready for coverage that fits your life?
Get a free, no-obligation quote in minutes — or talk to a licensed advisor today.
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Prefer to talk now? Call (801) 531-2060.