Retirement Planning

A Retirement Plan that Works Like a Pension

You have worked hard and saved tirelessly for your retirement. But as that day approaches, your ability to recover from market losses becomes severely diminished. This is because, sooner or later, you are going to have to spend that money. And if you spend it in a down market, you can never recover what you have lost.


Our solution is to design a retirement plan that works like a pension. Depending on your specific needs, MACLEAN & Co. Financial Planning can offer custom strategies for guaranteed lifetime income, continued growth using competitive index participation and cap rates, protection against market losses, tax-advantaged savings and retirement income, generous long-term care benefits, and more.


Each of the benefits described above are available through our partnerships with the nation's leading insurance companies, who specialize in the following:


  • Multi Year Guaranteed Annuities (MYGAs)
  • Fixed Annuities
  • Fixed Index Annuities (FIAs)
  • Qualified Longevity Annuity Contracts (QLACs)
  • Whole Life
  • Universal Life
  • Indexed Universal Life (IUL)


Our custom strategies are built around your specific needs and coordinated with your Social Security to maximize your lifetime benefits. 


Article

"Conventional wisdom has most investors de-risking their portfolios by allocating more heavily to bonds as they approach retirement. However, investors should consider other alternatives such as FIAs. In this low interest rate environment, complacency can be a danger to our clients' futures."  - Roger Ibbotson


Research cautions overreliance on bonds may result in critical retirement shortfall for U.S. investors


by PR Newswire

March 7, 2018

Charting A Course for Retirement