RETIREMENT INCOME & SAVINGS
Retirement Planning Designed Around the Life You Want to Live
Give Every Dollar a Purpose — Income for Today. Flexibility for Life. Growth for Tomorrow.
You’ve worked for years to build what you have. Now your retirement savings can begin working with purpose — helping create dependable income, protected growth, greater flexibility, and a meaningful legacy for the people you love.
At SAF StabilityAndFamily, we help you explore retirement income and savings strategies designed around your goals, your priorities, and the future you want to experience.
Prefer to Talk? Schedule a Retirement Savings Conversation →
Share a few details and a SAF Advisor will help you find the plan designed around what matters most to you.
Helping Families Since 1998
RETIREMENT INCOME & SAVINGS
Retirement Planning Designed Around the Life You Want to Live
Give Every Dollar a Purpose — Income for Today. Flexibility for Life. Growth for Tomorrow.
You’ve worked for years to build what you have. Now your retirement savings can begin working with purpose — helping create dependable income, protected growth, greater flexibility, and a meaningful legacy for the people you love.
At SAF StabilityAndFamily, we help you explore retirement income and savings strategies designed around your goals, your priorities, and the future you want to experience.
Prefer to Talk? Schedule a Retirement Savings Conversation →
Share a few details and a SAF Advisor will help you find the plan designed around what matters most to you.
Helping Families Since 1998
A SIMPLE WAY TO THINK ABOUT RETIREMENT
Give Every Part of Your Retirement Savings a Job
When each part of your retirement savings has a clear purpose, the bigger picture can become easier to see. Some of your money can help create income for today. Some can provide flexibility as life unfolds. And some can continue working toward the future you want to create.
The question becomes beautifully simple: What job do you want each part of your money to do?
MONEY FOR TODAY
Enjoy the Life You've Built
Dependable income can help turn retirement savings into the experiences that matter to you — everyday living, time with family, travel, hobbies, and the freedom to enjoy this season of life.
MONEY FOR FLEXIBILITY
Keep Choices Within Reach
A portion of your savings can provide access and flexibility as opportunities and priorities evolve — giving you greater freedom to make thoughtful choices along the way.
MONEY FOR TOMORROW
Continue Building Your Future
Another portion can continue working toward protected growth, future income, and the financial legacy you want to create for the people you love.
BUILT AROUND WHAT MATTERS TO YOU
What Do You Want Your Retirement Savings to Help You Create?
Your retirement goals are personal. The right strategy begins by understanding what you want your money to accomplish for you, your lifestyle, and the people you care about.
As you think about the years ahead, how many of these job priorities start feeling more important to you?
Dependable Income
Create More Stability You Can Count On
Turn a portion of your retirement savings into dependable income designed to support the lifestyle you want to enjoy.
Growth Potential
Keep Your Money Working
Give your retirement savings the opportunity to continue growing as you build toward the years and possibilities ahead.
Principal Protection
Protect What You’ve Built
Give your retirement savings a stronger foundation with strategies designed to protect principal while supporting your long-term goals.
Flexibility & Access
Keep Choices Within Reach
Maintain access to a portion of your money so you have greater flexibility as opportunities, priorities, and life evolve.
Spousal or Partner Income
Create Confidence for Two
Build retirement income with both lives in mind, helping you and your spouse enjoy greater confidence throughout the years ahead.
Financial Legacy
Create Something Meaningful for the People You Love
Position part of your retirement savings to help create a financial legacy for your children, grandchildren, and the people who matter most.
Your Priorities Can Work Together
Your retirement strategy can bring several of these goals together. A SAF Advisor can help you explore how different portions of your savings may support different priorities — creating a retirement strategy designed around your life, your family, and your future.
Share what matters most to you and begin exploring the possibilities.
YOUR SAVINGS. YOUR SECURITY.
Where Have You Built Your Retirement Savings?
Over the years, you may have accumulated retirement savings in several different places. Seeing those accounts together can help you begin thinking about the role each one could play in the future you’re creating.
- 401(k)
- IRA (Traditional, Roth, SEP, SIMPLE)
- 403(b) / 457
- CDs
- Bank or Credit Union Savings
- Investment / Brokerage Accounts
- Other Savings Vehicles
Now Give Those Savings a Purpose
Where your savings are held today is one part of the picture. What you want those savings to help you accomplish brings the rest of the picture into focus.
Income. Growth. Protection. Flexibility. Legacy. Your priorities help shape the retirement you want to create.
ACHIEVE PURPOSE THROUGH STRATEGY
Different Retirement Goals Sometimes Call for Different Strategies
Once you know what goal, or job priority you want your retirement savings to accomplish, you can begin exploring strategies with purpose designed around those priorities.
Some strategies can help create dependable income. Others can provide growth potential, principal protection, flexibility, or opportunities to build a meaningful financial legacy.
And sometimes, one retirement strategy can bring several of those job priorities together.
Imagine One Strategy That Could Provide
PROTECTION: Giving Your Savings Strong Security
Explore a strategy designed to help by protecting your principal while allowing your retirement savings to support the future you want.
GROWTH: Have Your Money Working For You
Create opportunities for continued growth based on the portfolio planning you choose and the role you want this portion of your savings to play.
INCOME CREATION: Turning Savings Into Income for Retirement
Position a portion of your accumulated savings to help create that dependable income for the lifestyle and experiences you want to enjoy.
LEGACY CREATION: Extending What You've Built to the People You Love
Shape part of your retirement strategy around the family, people, and causes that matter to you, creating possibilities that can reach beyond your own retirement years.
ONE STRATEGY WORTH EXPLORING
What Role an Annuity Could Play in Your Retirement?
Depending on the annuity selected and how it is structured, it could provide the right combination to fully achieve the different jobs of your money.
Now, Let’s Discover What Matters Most to You
Your savings amount, retirement timeline, income needs, family priorities, access preferences, and long-term goals all help shape which strategies may fit.
That’s why exploring your options begins with something wonderfully simple:
You tell us what matters to you.
We help you explore what your money could do.
Share your priorities and discover retirement possibilities designed around you.
Fixed indexed annuity features, guarantees, withdrawal provisions, index-crediting methods, and availability vary by product and issuing insurance company. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Fixed indexed annuities are insurance products and do not directly participate in the stock market.
REAL PEOPLE. THOUGHTFUL DECISIONS.
Retirement Decisions Built Around What Matters Most
Every retirement story is personal. Sometimes the most meaningful decisions begin by simply asking what you want your money to accomplish for you and the people you love.
JOAN & HER SON, TOM
A Thoughtful Decision With Family at Heart
After Joan’s husband passed away, part of the life insurance he thoughtfully put in place became a financial legacy for the family he loved.
Joan and her son Tom began exploring how those funds could continue working toward the future.
Growth Potential • Flexibility • Family Legacy
Together with SAF, they chose a retirement strategy designed around what mattered most to Joan.
A lifetime of thoughtful decisions can continue creating possibilities for the people you love.
YOUR RETIREMENT. YOUR QUESTIONS. YOUR CLARITY.
Could A Retirement Strategy Like This Work For You Too?
Every meaningful retirement decision begins with thoughtful questions.
As you think about your retirement savings, income, flexibility, family, and the years ahead, you may already have a few questions about how different strategies could work for you.
Explore the questions that matter most to you and begin bringing your retirement possibilities into clearer focus.
What if I don’t know where to start?
That’s a wonderful place to begin. A conversation with a SAF Advisor starts with learning about you — the retirement savings you’ve built, the income you may already have, the priorities that matter most, and what you want your money to help you accomplish.
From there, we can help you explore your options and bring the next steps into clearer focus.
How can I protect retirement savings while still having growth potential?
Certain retirement strategies are designed to bring those two priorities together. A fixed indexed annuity, for example, can provide protection from direct market losses while offering interest-crediting potential linked to the performance of an external market index.
The amount of interest credited depends on the contract and crediting strategy selected, including features such as participation rates, caps, or spreads. Once interest is credited according to the contract, it becomes part of the annuity’s accumulated value.
Learn more about how Fixed Indexed Annuities can combine protection and growth potential →
Will I still have access to my money?
Access and flexibility can be an important part of your retirement strategy. Many fixed indexed annuities provide options for accessing a portion of your accumulated value each year, while some contracts may offer additional access features for qualifying circumstances such as certain health or care needs.
The amount available, timing, and any applicable charges depend on the specific annuity and contract provisions. That’s why we consider how much access you want to maintain when exploring which options may fit your priorities.
Can an annuity provide income for the rest of my life?
Yes. Certain annuities can be structured to provide guaranteed lifetime income. Depending on the annuity selected, lifetime income may be created through an income rider or other contractual income option designed to continue payments for as long as the covered person lives.
The amount of income depends on factors such as your age, the amount allocated, when income begins, and the specific contract selected.
The goal is beautifully simple: turn a portion of the savings you’ve accumulated into dependable income designed to support the life you want to enjoy.
Explore how retirement savings can help create income for the years ahead →
What happens to our retirement income when one spouse passes away?
Retirement income can change when one spouse passes away, which makes planning for both lives an important part of building a retirement strategy.
Social Security survivor benefits, pensions, annuity income, and other sources may each work differently. Looking at those income sources together can help couples understand how income may continue for the surviving spouse and where additional planning may be valuable.
Learn more about what can happen to Social Security income when one spouse passes away →
What happens to my money when I pass away?
Your retirement strategy can also reflect the legacy you want to create. Depending on the accounts and strategies you own, remaining values may pass to named beneficiaries, and certain annuities may provide contractual death-benefit options.
Beneficiary designations, the specific contract, and your broader estate plan all play a role. Thinking about these pieces together can help position your retirement savings around the people and legacy that matter to you.
How do I know which retirement strategy is right for me?
The right place to begin is with what you want your money to accomplish.
Your retirement timeline, income needs, savings, access preferences, family priorities, and long-term goals can all help shape which strategies are worth exploring.
A SAF Advisor can help you bring those pieces together, understand your options, and explore strategies designed around your life, your family, and the future you want to create.
YOUR RETIREMENT. YOUR NEXT STEP.
Now Let’s Discover What Your Retirement Savings Could Do for You.
You’ve already begun thinking about the questions that matter most.
Income. Growth. Protection. Flexibility. Family. Legacy.
Now you can bring those priorities together and begin exploring retirement possibilities designed around your life and the future you want to create.
Tell Us What Matters Most to You
Share a few details about your retirement savings and the priorities that are important to you.
A SAF Advisor will personally review what you share and help you explore options designed around what you want your money to accomplish.
A few thoughtful answers can bring your retirement possibilities into clearer focus.
Helping Families Since 1998
From Worry to Peace:
Joe & Joy’s Story with David & SILAC
“David and SILAC have been great — they made everything simple, and now we feel confident about our future.”
— Joe & Joy, SAF Clients
Safe. Stable. Secure — Just Ask James & Kathy
“With David’s guidance for stable growth and SILAC’s support, we don’t just feel secure — we feel cared for, like family. That peace of mind means everything.”
— James & Kathy, SAF Clients
Bobby: Turning Multiple Annuities Into One Powerful Plan
“With Tracie’s and David’s help, I condensed several annuities into one strong SILAC plan. Now it’s already paying me every month, giving me the freedom to enjoy life today — while keeping my future stable and secure, exactly the way I want it to be.”
— Bobbie, SAF Client