The Decisions You Make Now Define Retirement
You are close. How you sequence the next few years will determine how long your money lasts, how much goes to taxes, and how much stays available for the people you love.
Complimentary. No pressure. A clear path to your LivingLEGACY™.
Free Interactive Tools
7702 Account vs 401(k) Calculator
See your after-tax retirement income compared side by side in about 60 seconds. Adjustable growth rates and market down years. Complimentary.
The LivingLEGACY™ Estate V.A.U.L.T. Assessment
Ten questions. Under eight minutes. See your Estate Readiness Score and the program path designed for your family. Complimentary.
Retirement Income Gap Calculator
See how much income your savings and Social Security will actually produce in retirement, and exactly how far it falls short of what you need. Complimentary.
Protecting What You Have Built
Liquidity
Your money works for you without being locked away. Access what you need, when you need it, without penalties or restrictions.
Tax Efficiency
Legally reduce what you owe now, defer what you can, and eliminate taxes on future growth wherever possible.
Protection
Safeguard what you have built against the risks most plans overlook: disability, market loss, premature death, and tax law changes.
Legacy
Create a plan that supports liquidity today and leaves something meaningful for the people and causes you care about.
Retirement Is Not a Finish Line. It Is a Funding Strategy.
Most retirement plans are built around accumulation. The plans that work are built around distribution — sequencing your income, managing your tax exposure, and making sure your money outlasts you.
Ready to Design Your LivingLEGACY™?
Complimentary. No pressure. A clear path to your LivingLEGACY™.
FAQ
Common questions about retirement planning.
How can I guarantee retirement income I cannot outlive?
Fixed indexed annuities (FIAs) structured with a lifetime income rider provide guaranteed income regardless of how long retirement lasts — without depending on market performance. Unlike a portfolio that requires liquidation, the income payment continues for life even if the account value reaches zero.
What is sequence-of-returns risk and how do I protect against it?
Sequence-of-returns risk is the danger that a market downturn early in retirement permanently damages a portfolio that depends on regular withdrawals. Losing 30% in year two while withdrawing 4% annually means selling depleted assets that never recover. Floor protection strategies — FIAs and IUL — eliminate this risk by guaranteeing that a down market year does not reduce your principal or income.
What tax risks should I address before retirement?
The three biggest pre-retirement tax risks are required minimum distributions (RMDs) that force taxable income from qualified accounts, Social Security income being pushed into a higher bracket, and deferred tax liabilities being passed to beneficiaries. Strategic repositioning of assets before and at retirement can reduce or eliminate all three.
What strategies does KLG recommend for retirement-ready clients?
KLG typically recommends a combination of fixed indexed annuities for guaranteed lifetime income, an IUL for tax-free supplemental income and living benefits, and strategic repositioning of qualified account balances. The right mix depends on the client's income needs, tax exposure, and existing assets going into retirement.