We realize in a perfect world everyone could live off Social Security, savings, and focus solely on the accumulation of assets. However, most Americans have worked hard to save for retirement and expect it to work for them to create lasting income. Our goal is to make the most out of this hard earned money and supplement the loss in cash flow that comes with retirement. Using our Income Models we can maximize income stream, while controlling timing risk, liquidity risk, and keeping our clients money readily available with none of the surrender charges associated with other investment tools. Whether the money is needed for a new car, vacation, or education costs we realize in maintaining comfort ability and desired lifestyle in retirement is a crucial aspect of creating a tailored financial plan.