The Three C’s of Retirement

Checkbooks, Calendars and Clocks®


Knowing how much money hits your bank account every month is a critical part of staying retired. It’s vital that you have enough money to take care of your daily needs, housing, medical bills, long-term care, and any other unexpected expenses that come your way.


If you’re retired, chances are you know the exact day — even the hour — your check hits the account. This sigh of relief you breathe as you confirm that money is added to your account is worth far more than the money itself.


When we talk about the clock, we are referring to how long that guaranteed income will keep coming in. While pensions and Social Security may provide some security and guaranteed income, the question we want to pose is this… why not do more of it?

Earn More, Breathe Easier & Enjoy Your Retirement To Its Fullest

When it comes to retirement, there’s nothing that gives you a sense of freedom like increasing the amount of guaranteed income you have on a consistent basis. The nationally recognized experts at Income For Life bring real retirement solutions to the table so you can breathe easy and enjoy your retirement in the way you’ve always envisioned.

However, when you’re retired, the paychecks you receive from your job stop, which can cause great feelings of instability, even for those who’ve been retired for years. And with Social Security’s sustainability in hot debate, the state of your retirement has become even more unnerving.

That’s what makes guaranteed income all the more precious in retirement. In fact, at Income For Life we’re absolutely convinced that it should be your top priority. As a retiree, we understand that your checkbook, the calendar, and the clock are consistently on your mind. When you work with Income For Life, you’ve partnered with a caring team that understands just how important these three Cs are.

That’s why we’re committed to equipping you with the resources you need not only to achieve retirement, but to stay retired. It can feel like a treacherous road, but we’re here to help you navigate the difficulties, stay the course, and, most importantly, savor every moment you spend with the ones you love.

However, does your retirement actually look like that?

If you’ve been retired for any amount of time, you realize that the reality of retirement is filled with a lot more fear than the media lets on — the fear that surrounds losing the steady income that comes with your paycheck.

While our paychecks have a monetary value attached to it, the truth is, our regular income is worth far more to us than pure numbers let on. The truth is our paychecks are about security and peace of mind, something you simply can’t put a price on.

And we all know the sigh of relief that comes as we wait with bated breath when we confirm the money is actually there in our account. It’s nothing to be embarrassed about. We promise you’re in good company.


With guaranteed income, you know exactly when you can take that trip you’ve been wanting to. If you’d like to give your grandchildren some extra spending money when taking them shopping, you know exactly what’s in the budget. What if you’d like to give to a local charity drive that’s caught your attention? Being able to rely on a consistent income month after month, frees you to do all these things. So why not do more of it?

That’s where Income For Life comes in. As you know, money doesn’t simply grow on trees. The best way to continue growing your income in retirement is to put it to work for you. Our financial advisors have a wealth of knowledge and access to a wide range of financial products that’ll enable you to take a proactive approach to retirement.

We understand that finding the right investment can feel overwhelming. After all, there are so many options available. One of the biggest benefits you’ll have when you choose Income For Life is access to the very best annuity options on the market, with the highest payouts and the lowest fees.

Lose your money safely

CD accounts pay around 1% a year, on average. However, the rate of inflation increases at a rate of 2.68%. At this rate, you’re actually losing money over time. At IFL, we jokingly call this a “moonwalk account” because although it appears as if you’re going forward, you’re actually moving backward!

The stress of volatility

VThe truth is CD rates aren’t as consistent as you’d like to think. We’re happy to show you charts showing the true volatility of CD rates over the past 50 years.

Low level of guaranteed

Conservatively speaking, a retiree with $1,000,000 in different types of bank vehicles might see an income of $10,000 - $30,000 annually.

Extreme stress due to extreme

While the market generally has a 10-12% rate of return per year, that average may not necessarily be true for you. In fact, the shortest “down cycle” of the Dow Jones was 17 years!

You become a pension manager

The Wall Street myth of buying and holding securities long-term for 10% gain goes out the window if you are taking out considerable portions yearly for retirement. In fact the AARP recommends only a 4% withdrawal rate.

Mid level of high-risk

Assuming the markets are up for a long term period, using the AARP’s rule of 4% would get you roughly $40,000 a year on an account valued at $1,000,000.

True security for retirees

Unlike other financial vehicles, only annuities can guarantee retirement income for the rest of your life.

Have someone else take responsibility for pension management

Insurance companies are experts at managing risk and have done a fantastic job managing pension style incomes for over 100 years.

High return and guaranteed retirement income

With a $1,000,000 investment, and a rate of return that’s as high as 6%-8%, you could be looking at a guaranteed income of $60,000 to $80,000 a year — potentially 50% or more than the Bank or Wall Street way!

Get In Touch With Income For Life Today

While we understand that retirement can be stressful. The good news is that there is hope. Through the help you’ll receive at Income For Life, we’re confident you’ll be able to raise your hands high and take giant strides toward a beautiful retirement future.

Don’t sit by and be a passive observer, while your ideal future slips out of your hands. Simply fill out the contact form below, and we’ll get you scheduled with one of our trusted financial planners.

Contact Us Today Retiring Is Easy, Staying Retired Is Difficult.
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Income For Life is an outstanding company and resource for finding the very best income solutions for folks across the country. I would recommend Income For Life to anyone who is looking to create a retirement income plan.
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