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. Thoughtful retirement income planning can help your savings begin working with purpose — creating 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
Give Every Dollar a Purpose — Income for Today. Flexibility for Life. Growth for Tomorrow.
You’ve worked for years to build what you have. Thoughtful retirement income planning can help your savings begin working with purpose — creating 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.
Where should I start with retirement planning?
That’s a wonderful place to begin.
A thoughtful retirement conversation starts with learning about you — the savings you’ve built, the income you may already have, your retirement timeline, the priorities that matter most, and what you want your money to help you accomplish.
Together, we can begin looking at the different jobs your retirement savings may need to do — creating income, providing flexibility, supporting growth, protecting principal, caring for the people you love, or building a financial legacy.
From there, your retirement possibilities can begin coming into clearer focus.
A SAF Advisor can help you understand your choices and explore retirement strategies designed around your life, your family, and the future you want to create.
How much money do I need for retirement?
The amount you may need begins with something much more personal than a single retirement number:
What kind of life do you want your savings to help you create?
Your everyday expenses, Social Security, pension income, retirement savings, healthcare needs, family priorities, retirement timeline, lifestyle, and the experiences you want to enjoy can all help shape how much retirement income you may need.
Then it can help to give different portions of your savings a purpose.
Some money may help provide income for today.
Some may provide flexibility as life unfolds.
And some may continue working toward tomorrow and the legacy you want to create.
Bringing those pieces together can help turn a retirement savings number into something much more meaningful:
a retirement designed around the life you want to live.
What should my retirement savings help me accomplish?
A simple way to think about retirement is to give every part of your savings a job.
Money for Today can help create dependable income for everyday living and the experiences you want to enjoy.
Money for Flexibility can help keep choices and financial resources within reach as opportunities and priorities evolve.
Money for Tomorrow can continue working toward future income, growth, and the financial legacy you want to create.
From there, you can begin identifying the priorities that matter most:
Income. Growth. Principal Protection. Flexibility. Spousal Income. Legacy.
Once you know the job you want each portion of your money to accomplish, it becomes easier to explore retirement strategies with purpose.
How can I protect my retirement savings from stock market losses?
For many people approaching or enjoying retirement, protecting what they’ve spent years building becomes increasingly important.
Different retirement strategies carry different types of risk.
Certain insurance products, including fixed indexed annuities, are designed to protect principal and previously credited interest from direct stock-market losses, according to the terms of the contract.
That means a portion of your retirement savings can be given a very specific job:
Help protect what you’ve built while supporting the future you’re creating.
Your SAF Advisor can help you explore how much of your savings you want positioned for protection, how much you want available for flexibility, and how other portions may support your income, growth, and legacy goals.
Can I protect my retirement savings and still have growth potential?
Yes. Certain retirement strategies are designed to bring principal protection and growth potential together.
A fixed indexed annuity, for example, can protect contract value from direct stock-market losses while providing interest-crediting potential linked to the performance of an external market index.
How much interest is credited depends on the contract and strategy selected, including provisions such as participation rates, caps, spreads, or other crediting features.
Once interest is credited according to the contract, it becomes part of the accumulated value.
This can give a portion of your retirement savings an opportunity to continue working toward tomorrow while supporting the protection you value today.
Learn more about how Fixed Indexed Annuities can combine protection and growth potential →
What is a fixed indexed annuity, and how does it work?
A fixed indexed annuity is an insurance contract that can help give a portion of your retirement savings a specific purpose.
Depending on the contract selected, that purpose might include principal protection, growth potential, future retirement income, or legacy planning.
Your money is not directly invested in the stock market.
Instead, the insurance company can calculate interest using crediting strategies linked to the performance of an external market index.
The amount of interest credited can depend on the index, crediting method, participation rate, cap, spread, and other provisions of the particular contract.
For someone who values both protecting what they’ve built and continuing to create possibilities for the future, a fixed indexed annuity may be one strategy worth exploring.
A SAF Advisor can help you understand how a particular annuity works and determine whether its features align with the job you want that portion of your money to accomplish.
Can an annuity provide guaranteed 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, annuitization, or another contractual income option designed to provide payments according to the terms of the contract.
The amount of income can depend on factors such as your age, the amount allocated, when income begins, whether income is designed around one or two lives, 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.
For the right person, that can mean knowing a portion of their retirement strategy has a clear job:
creating income for the years ahead.
Explore how retirement savings can help create lifetime income →
Will I still have access to my money if I purchase an annuity?
Access and flexibility can be an important part of your retirement strategy.
Many annuities provide contractual options for accessing a portion of your accumulated value, while some contracts may provide additional access features for qualifying circumstances.
The amount available, timing, surrender-charge schedule, and other provisions depend on the specific annuity contract.
This is why we begin with the job of your money.
Money you want readily available can be positioned for flexibility.
Another portion may be positioned for protected growth or future income.
By thinking about those needs together, you can explore a retirement strategy designed around both the flexibility you want today and the future you want to create.
Can I use or roll over money from my 401(k), IRA, 403(b), 457, or other retirement savings into an annuity?
Yes. Depending on your circumstances, several types of retirement savings may be eligible to fund an annuity.
The money you’re considering may currently be held in a:
401(k) • Traditional IRA • Roth IRA • 403(b) • 457 • SEP IRA • SIMPLE IRA • Keogh Plan • CD • Bank or Credit Union Account • Brokerage Account • Other Savings
The account your money comes from matters because different retirement accounts and personal savings can have different rollover, transfer, distribution, and tax rules.
A properly structured rollover or transfer may allow certain retirement assets to move while maintaining their tax-deferred status, depending on the accounts and transaction involved.
That is why the conversation begins with two important questions:
Where is your money today?
And:
What do you want it to accomplish tomorrow?
A SAF Advisor can help you explore your options and coordinate with your financial or tax professionals when appropriate.
What happens to our retirement income when one spouse passes away?
Planning retirement around both lives can help create greater confidence throughout the years you share together and for the surviving spouse.
Social Security survivor benefits, pensions, annuity income, retirement accounts, and other income sources can each work differently when one spouse passes away.
Looking at those sources together can help you understand which income may continue, how the household income could change, and where additional planning may create greater financial continuity.
Certain annuities can also provide income options structured around two lives, depending on the contract and option selected.
Thoughtful planning today can help create something deeply meaningful:
continuing financial confidence for the person who shares your life.
Learn more about retirement income when one spouse passes away →
What happens to my retirement savings or annuity when I pass away?
Your retirement strategy can reflect the people and legacy that matter to you.
What happens to your money depends on the retirement accounts, annuity contracts, beneficiary designations, and other financial strategies you own.
Retirement accounts may pass according to their beneficiary designations, while certain annuity contracts may provide a contractual death benefit or remaining contract value to named beneficiaries.
How those assets are received and taxed can depend on the account, contract, beneficiary, and individual circumstances.
Thinking about these pieces together can help create a clearer picture of how the resources you’ve spent a lifetime building may continue benefiting the people you love.
Can my retirement savings help create a financial legacy for my children or grandchildren?
Yes. The retirement you’ve built can support both the life you want to enjoy and the legacy you want to create.
Retirement accounts, beneficiary designations, annuities, life insurance, savings, investments, trusts, and other estate-planning strategies can each play different roles in helping financial resources reach the people you love.
The right approach begins by deciding what you want your money to accomplish:
What would you like to enjoy during your lifetime?
What would you like available for flexibility?
What would you like to continue growing?
And what would you love to leave for the people or causes that matter to you?
Legacy can then become another intentional job for your money — connecting the retirement you’re enjoying today with something meaningful that can continue into tomorrow.
How do I know which retirement income and savings strategy is right for me?
The right place to begin is with what you want your money to accomplish.
Your retirement timeline, income needs, existing savings, Social Security and pension income, access preferences, family priorities, comfort with risk, legacy goals, and long-term plans can all help shape the strategies worth exploring.
Then each portion of your savings can be considered according to the job you want it to do:
Income.
Growth.
Protection.
Flexibility.
Family.
Legacy.
A SAF Advisor can help you bring those pieces together, understand the possibilities available to you, and explore retirement strategies designed around your life, your family, and the future you want to create.
Sometimes greater clarity begins with one beautifully simple question:
What do you want your money to do for you?
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.
Prefer to Talk? Schedule a Retirement Conversation →
Helping Families Since 1998