Your Trusted Partner in Retirement Income Planning

Most retirement plans are built around variable assets such as equities and traditional bond portfolios. While these assets can support growth, relying on them to generate income in retirement introduces risks that are often underestimated.

The risks are structural — not temporary

Retirement income tied to market performance can expose households to:

• Market volatility during withdrawal years

• Interest rate risk impacting future income yields

• Forced asset sales during market downturns

• Reduced income sustainability over longer retirements

When income depends on market behavior, financial security becomes uncertain at the moment it matters most.

A different way to structure retirement income

LegacyHaven Advisors approaches retirement income as a system — not a collection of individual products.

Planning begins by identifying income risks and structural blind spots, then designing strategies intended to provide stability across economic cycles.

Who this approach is designed for

• Individuals prioritizing income certainty and sustainability

• Those seeking clarity around retirement income risks

• Households planning for long-term lifestyle continuity

Who this approach is not designed for

• Investors pursuing maximum growth at all costs

• DIY portfolio managers

• Strategies dependent solely on market performance

The purpose of an initial conversation is not commitment — it is clarity.

In many cases, income strategies are implemented alongside growth portfolios managed by investment advisors, creating a coordinated structure rather than competing philosophies.