Worried about an income gap or facing an "income cliff" in retirement?
**Income Gap & Income Cliff Solutions**
Will you encounter a shortfall in retirement? We’ll assist you in assessing your "income gap"—the difference between your needs and guaranteed sources—and create effective income cliff solutions to fill it. Prevent income cliffs that can lead to lost benefits or increased taxes.
**Close the Gap—Secure Lifetime Income and Prevent Nasty Surprises**
**Retirement Gap - Are you on track?**
Top financial fears we are facing include:
1. Insufficient retirement savings
2. Higher taxes
3. Unexpected medical emergencies and healthcare expenses
Transform unpredictable income into a steady retirement paycheck, ensuring your financial security in retirement.
Americans are among the worst savers in the developed world.
90% of all households earning over $200,000 are chronically under-saving to maintain their current quality of life in retirement. The top 10% of income earners save on average 9%-12.5% when they should be saving 35%.
**Do I have enough for retirement?**
According to a MarketWatch study, 51% of investors with investable assets of $500,000 or more express concerns about their financial security in retirement, while 46% worry that their portfolios are not properly tax-optimized. Alarmingly, one in 10 high-income families has no retirement savings at all, as reported by research from the Urban Institute. Additionally, 25% of families making $150,000 a year or more are living paycheck to paycheck, according to Nielsen.
See how we can smooth your income and avoid significant drop-offs.
**First-in-class planning for pre-retirees facing uncertain income bridges**
Income smoothing for physicians with fluctuating consulting or locum income is essential. We help identify potential benefit cliffs—avoiding Medicare or Social Security penalty zones—and protect against market, health, and sequence of return risk. By mapping all income sources, including Social Security, pensions, and investments, we develop bridge strategies for pre-retirement years to prevent benefit losses due to income cliffs or excess earnings.
Turn unpredictable income into a steady retirement paycheck.