Plan for the Best. Prepare for the Rest.
Retirement income strategies designed to reduce reliance on market performance and preserve lifestyle continuity across economic cycles.
Life Insurance Strategies
Life insurance strategies used to support tax efficiency, legacy planning, and income flexibility within retirement.
Fixed Income Solutions
Fixed income solutions positioned to stabilize cash flow and reduce portfolio volatility across market cycles.
Guaranteed income planning focused on establishing a reliable income floor in retirement.
Guaranteed Income Planning
These strategies are implemented within a unified retirement income framework — not selected in isolation.
Frequently Asked Questions
Can I obtain Long Term Care Insurance if I've been denied before?
Yes, there are solutions available in certain designs that do not require traditional medical underwriting.
When do I start taking RMDs? And what happens if I don't start on time?
Required Minimum Distributions (RMDs) start at age 73 for most retirees. Delaying or mismanaging them can lead to additional excise tax of 25% on the RMD that was supposed to be taken.
What's the benefit of delaying social security?
Delaying social security will ultimately provide greater income every year. If you claim social security at age 62, your yearly benefit will be permanently reduced, about 30% less than if you wait until full retirement age (FRA) age 66/67. The heightened benefit of delaying past FRA age 66/67 to age 70 is that the yearly benefit will increase by 8% until social security is claimed.
Why do people use life insurance for retirement income?
Certain forms of properly structured permanent life insurance can function as a tax-advantaged, non-market-correlated asset within a retirement income strategy.
Can I withdrawal more then 4% of my portfolio?
Yes you can. If you are actively managing your investments, and managing which accounts you are taking distributions from, it's possible. Additionally, alternative income structures may allow for higher sustainable income levels when market exposure is reduced and income sources are diversified.
Do annuities really have high fees?
Some do, most do not. It comes down to which annuity. Variable annuities have average fees of 3%-3.5% per year. While MYGAs, Fixed annuities, and Fixed Indexed Annuities have no fees unless a rider is attached.
Client Feedback
Discover what our clients say about us.
Legacyhaven Advisors provided excellent service, helping me diversify my portfolio effectively before retirement.
John D.
Palm Beach County, FL
The team at Legacyhaven Advisors helped me navigate my retirement planning smoothly and efficiently.
Sarah K.
Camden County, NJ