MWI AGENCY

COMPLETE INSURANCE SOLUTIONS

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MWI AGENCY

COMPLETE INSURANCE SOLUTIONS

Retirement Planning For High Earners With Longevity Planning

Why Longevity Planning Matters

Plan For More Years, Not Just More Assets

Life expectancy trends mean many clients will spend 25 to 35 years in retirement. The risk is not outliving investments, it is outliving income. Our work starts with the question clients ask most often, how do I ensure I will not outlive my retirement savings. We stress-test timelines at ages 85, 90, and 95, then align the plan to those milestones so the paycheck continues whether markets cooperate or not.
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Guaranteed Income For Life

Turn Savings Into A Dependable Paycheck

We help convert 401k and IRA balances into predictable income using annuities, structured withdrawals, and Social Security timing. For clients in Michigan and California, and for snowbirds in Naples or Scottsdale, the goal is the same, a monthly number you can count on. Many plans evaluate qualified longevity annuity contracts to cover late-retirement years, then pair them with near-term income sources that fit your tax picture.
Explore QLACs

Analysis First,
Then Action

Every plan maps cash flow, taxes, and risks. We inventory pensions, portfolio income, and insurance values, then model scenarios for market drops, long life, or a spouse’s passing. We coordinate with your CPA and attorney when needed, and we place policies only when the numbers justify it. Clients tell us this process removes guesswork and replaces it with a clear timeline and simple steps.

The Building Blocks Of A Resilient Plan

Use targeted strategies to create the right mix of certainty and flexibility. QLACs can reduce early RMD pressure and fund years 80 to 90 and beyond. Immediate or deferred income annuities can deliver pension-like paychecks. Coordinated Social Security timing can increase lifetime benefits. Insurance-based solutions can address survivor income and long-term care concerns.

A Simple Path From Assets To Income

Replace with a verified example that shows how a client with a seven-figure 401k in Oakland County converted part of the balance to guaranteed income, kept growth potential elsewhere, and created a survivor plan that felt right for both spouses.

Frequently Asked Questions

Clarity On Timing, Tools, And Trade-Offs
Planning five to ten years before retirement gives room to shape tax outcomes and lock in guarantees.
That is the purpose of longevity planning, including annuity income that continues for life.

Yes, we coordinate these decisions within your overall plan and bring in specialists when appropriate.

We review sequencing across accounts, consider QLAC use, and coordinate with your CPA to help manage the tax impact.
Yes, collaboration is part of our process so documents and strategies align.