Happy Friday Reader!

Below is a weekly recap of my most popular videos and blogs. As always, don't hesitate to reach out to me directly if I can ever be a resource for you (via email, or through any of my social media channels).

Also, feel free to schedule your free Retirement Income Analysis.

Top Videos of the Week (all 1 min. or less):

1. [NEW CASE STUDY] 62-year-old Couple with Annuity + $1.8M Retires Using A Market-protected Income Strategy (with $1M lower guardrail and $2.5M upper guardrail) - full review below
2. ​You Need 10% A Year to "Beat" Social Security.... Why Not Delay & Take the Guarantee?!​
3. [Tax-free Retirement + Wealth Transfer Case Study] 54-year-old with a Laddered Tax-free Retirement & A $1.5M Tax-free Legacy​

In-depth Review of This Week's Case Study

62-year-old Couple with Annuity + $1.8M Retires Using A Market-Protected Income Strategy‼️

⭐️ Here are the details ⭐️

☑️ Chandler and Monica are 62

☑️ They are retiring immediately

☑️ Preserving (and growing) Net Worth is Important

☑️ They want $13,000/month after taxes in retirement

☑️ Monica's SS is $4000/month at 70

☑️ Chandler's SS is $4000/month at 70

☑️ $1.8M invested in the market for retirement

☑️ $1M Income Annuity purchased 2 years ago

⭐️ Ages 62-70: Defer Social Security & Annuity Income⭐️

☑️ They are both healthy with a lot of longevity in their family

☑️ This will MAXIMIZE their lifetime income sources

☑️ This also provides a great hedge against inflation

☑️ Social Security + Annuity grow at 8%+ per year (w/ no market risk)

☑️ They will take approximately $15-18k/month from the market for approximately 8 years

☑️ If the portfolio balance drops below $1M they will activate their income‼️

This is often referred to as a lower guardrail and helps preserve investments

But, if the market averages 8% per year...

Their balance shouldn't drop below $1M prior to age 70

If it does they will simply turn on their guaranteed income sources (social security and annuity) to protect their investments

This takes pressure off their investment portfolio (allowing it to recover)

⭐️ Ages 70-79: Aggressive Market Growth (no required withdrawals) ⭐️

☑️ Social Security + the annuity provide a consistent = $20,000/month of fixed income

☑️ No income withdrawals will be required from the market

☑️ This means the market has time for UNINTERRUPTED growth

With an average 8% return their portfolio will grow by approximately $900k‼️

⭐️ Age 79+: Continued Market Growth + Supplemental Income (as needed) ⭐️

☑️ Stay invested aggressively

☑️ Small income withdrawals (may be) required to protect against inflation

☑️ The portfolio provides protection against a #longtermcare event

⭐️ Upper Net Worth Guardrail $2.5M = Tax-free Gifting Implementation ⭐️

If portfolio increases beyond $2.5M (which is it projected to do) they will increase their income

This will be used to provide tax-free income for loved ones in the form of annual gifts

🔥 This gives them flexibility to deal with poor market performance...

….Using annuity and social security income to protect portfolio

🔥 While ALSO being able to capitalize on good market performance‼️

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