Income-First Planning

Essential income is secured before growth assumptions are applied.

Designed for Delegation

Designed for households who prefer clarity, structure, and professional oversight.

Market volatility, inflation, and sequence risk are addressed before they become problems.

Market-Risk Aware

Income Is Designed Before Growth Is Assumed

Retirement planning begins with income reliability.

Portfolios are evaluated for exposure to market-driven withdrawals, inflation pressure, and longevity risk—before long-term growth assumptions are applied.

The priority is control, predictability, and sustainability—not speculation.

The Retirement Paycheck Framework

✅Income Needs Analysis

✅Guaranteed Income Review

✅Sequence of Returns Stress Test

✅Inflation-Proofing Strategy

✅Personalized Retirement Paycheck

Understand Where Retirement Income Is Exposed

Retirement outcomes are determined by income timing, guaranteed cash flow, and the gap between what is needed and what is protected.

Sequence of Returns Risk Calculator

Reveals how early market downturns can permanently impair retirement income—even when long-term returns appear strong.

Retirement Income Gap Calculator

Identifies the gap between lifestyle income needs and income that is contractually reliable.

Guaranteed Income Calculator

Illustrates how protected income can reduce reliance on market withdrawals over a lifetime.

Legacyhaven Advisors understood the unease that I felt. They took time to understand me and my issues with my retirement. They implemented a plan structured around my retirement income needs.

Gerald H.

★★★★★

Retirement Deserves More Than Assumptions

Income reliability determines lifestyle flexibility. A clear analysis shows where income is protected—and where it remains exposed.

Designed for retirees and pre-retirees who value certainty, control, and income reliability.