Leave a legacy that lasts beyond you.
What Is Retirement & Legacy Planning?
Retirement & legacy planning is about creating financial independence for your future — while also ensuring your loved ones and values are supported long after you.
It’s not just about saving money. It’s about:
- Reaching your retirement goals
- Living with dignity and flexibility
- Passing down assets, values, or charitable impact
Through the right combination of life insurance, annuities, and strategic tools, you can protect your future and give meaning to your money.
Key Tools for Retirement & Legacy
| Life Insurance for Estate Planning | “More than protection — it’s a legacy strategy.” Provides a tax-free transfer of wealth to your beneficiaries Avoids probate delays and legal complexities Helps cover estate taxes or charitable donations Can support trusts or generational gifting |
| Annuities | “Turn your savings into a lifelong income stream.” You contribute a lump sum (or regular payments) In return, you receive guaranteed monthly income for a set period or for life Types include: Fixed Annuities – Stable, predictable payments Indexed Annuities – Linked to market performance with downside protection Variable Annuities – Higher risk and reward |
Why It Matters
| Scenario | With Planning | Without Planning |
|---|---|---|
| Retirement lifestyle | Monthly income, flexible choices | Risk of running out of savings |
| Passing down assets | Protected, tax-advantaged transfer | Legal delays, tax burden |
| Charitable goals | Built-in legacy support | Missed opportunities |
