If you have $250,000 or more saved for retirement, you may qualify for a guaranteed income strategy that pays you — and your spouse — every month for life, no matter how long you live or what the market does.
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You spent 30 or 40 years doing everything right. You saved. You invested. You didn't splurge. And now you're looking at your retirement accounts — 401(k), IRA, whatever you've built — and you're doing the math.
How long will this actually last?
Most financial plans assume you'll live to 85 or 87. But what if you live to 93? Or 97? What happens to your income in year 25 if the market takes a hit — like it did in 2000, or 2008, or 2020 — right when you need it most?
This is the fear that keeps a lot of retirees up at night. Not whether they have enough money right now — but whether it'll still be there in 15 or 20 years.
The S&P 500 has averaged strong returns over decades — but a retiree who retired in January 2000 and withdrew 5% annually was out of money by 2012. Sequence of returns risk is real, and it's the risk most advisors underestimate.
None of this means you made bad decisions. It means the traditional approach — accumulate a pile, then draw it down and hope — has a real vulnerability that most people don't think about until it's too late to fix it.
There's a better way to structure the income side of retirement. And it's been used by pension funds, insurance companies, and institutional investors for decades. Most individual retirees just don't know it exists — or don't know they qualify.
Free · No obligation · Takes 3 minutes
A guaranteed income annuity is a contract between you and an insurance company. You allocate a portion of your savings — the amount is up to you — and in return, you receive a guaranteed monthly income payment. For life. Regardless of what the stock market does. Regardless of how long you live.
Think of it as building your own personal pension.
This isn't a new concept. Pension plans — the kind that used to be standard at every major employer — were essentially group annuities. When companies stopped offering pensions and switched to 401(k)s, they shifted all the income risk to the employee. An annuity lets you take some of that risk back off the table, on your own terms.
Not every annuity product is right for every person. Rates, features, and payout amounts vary significantly between carriers and product types. That's why the first step isn't to buy anything — it's to understand what your specific situation would look like with an actual projection.
That's exactly what our free income assessment gives you.
Free · No obligation · Takes 3 minutes
Three simple steps. No financial jargon. No pressure. Just a clear picture of what your retirement income could look like.
Free · No obligation · Takes 3 minutes
Here's what retirees in our network have seen when they added guaranteed income to their retirement plan.
"I was skeptical at first — I'd heard annuities were a bad deal. But my specialist walked me through exactly how the product worked and what I'd actually receive. I now have $4,200 coming in every month guaranteed, regardless of what the market does."
"My husband passed two years ago and I was terrified about making the wrong financial decision on my own. The NovaEsta team never pushed me. They just showed me the numbers. I finally feel like my income is secure — for as long as I live."
"We had about $800K between our two IRAs and weren't sure what to do in retirement. Our specialist compared five different products across three carriers. We ended up with a joint-life payout that covers both of us — no matter which of us goes first."
"I did the 3-minute quiz expecting nothing. What I got was a side-by-side comparison of four different strategies and a specialist who spent 45 minutes on the phone answering every question I had. Zero pressure. I can't recommend this enough."
Free · No obligation · Takes 3 minutes
A guaranteed income strategy isn't right for everyone — and an honest specialist will tell you that upfront. But if any of the following describe your situation, it's worth taking 3 minutes to find out.
You don't need to know anything about annuities before you take the assessment. That's what the specialist is for. All you need to know is whether you want a more predictable retirement income — and if you're reading this, you probably do.
Free · No obligation · Takes 3 minutes
Our specialists are independent and fiduciary-minded. They are paid only if you move forward with a product — and only after you've had every question answered and decided it's right for you. If a guaranteed income strategy doesn't make sense for your situation, your specialist will tell you that directly. We'd rather you leave with clarity than with a product that isn't the right fit.
Free · No obligation · Takes 3 minutes
Answer eight short questions and a licensed specialist will send you a personalized income projection within one business day. No cost. No obligation. No spam.
If you have $250,000 or more saved for retirement, you may qualify for a guaranteed income strategy that pays you — and your spouse — every month for life, no matter how long you live or what the market does.
🔒 Your information is encrypted and never sold. · Licensed specialists only. · A-rated carriers.