Today Financial Agency
Income. Protection. Legacy.
If pro golfers trust a caddie for strategy, why not have one guiding your income, protection, and legacy plan?
Meet Jed Monsen
The Annuity Caddie
Just like a golf caddie helps you choose the right club, I help you choose the right financial tools for income, protection, and legacy.
How We Help
Retirement Income, Estate Planning, and Long-Term Care planning - coordinated in one strategy.
- • Fixed Indexed Annuities
- • Guaranteed Income Strategies - Ex: "Buy Income, Invest the Rest"
- • Income + LTC Hybrid Planning
- • Attorney-drafted plans in your state
- • Guided online video process where Estate Guru assists you the whole way through
- • Affordable and accessible
Our Process
The Income Stress Test
We use real historical S&P 500 data from 1998 to present to stress test a retirement income plan against the dot-com crash and 2008 financial crisis — showing whether an annuity would have helped or hurt.
28+
Years of Real Market Data
5+
Stress-Test Scenarios
3
Annuity Types Compared
100% Equity & 50/50 Blend
Run your numbers through both all-equity and balanced portfolios using real S&P 500 and bond data from 1998 and 2000.
Custom Allocation
Set any equity/bond split that matches your situation — 70/30, 60/40, or anything in between — and stress test it through real history.
With vs. Without an Annuity
Every scenario is compared side by side — portfolio only vs. adding an income annuity, accumulation annuity, or RILA.
Book a Call
Gather Your Numbers
Run the Stress Test
You Decide
Free. Educational. No obligation.
Why Income and Estate Planning Should Work Together
Good planning is not just about products. It is about how beneficiary designations, tax treatment, legal structures, and healthcare risk interact over time.
Beneficiary Designations
Annuities pass by beneficiary designation, so those details should match your broader estate intent.
IRA and Tax Considerations
IRAs create tax consequences for heirs — coordination matters.
Trust Timing Effects
Trust structures can affect when and how assets are distributed to beneficiaries.
Long-Term Care Impact
A major care event can change estate size and income needs, which is why LTC planning belongs in the same conversation.
Coordination Prevents Unintended Outcomes
Coordinated planning helps reduce surprises and keeps income, protection, and legacy goals aligned across life stages.
Quick Planning Tips from The Caddie
Bite-sized ideas for retirement income, protection, and legacy planning
⛳ Annuity Caddie Tip: The day you book a tee time changes the price. FIA cap rates work the same way — timing matters. Stay aware of the rate environment.
⛳ Quick Tip: Annuities are NOT Stock alternatives... Annuities are Bond Alternatives.
💡 Buy Income, Invest the Rest: Cover core living expenses with reliable income so your investments can breathe and grow.
Featured Articles
Education to support coordinated retirement income and estate decisions
Ready to Coordinate Your Retirement Plan?
Build a strategy that connects retirement income, long-term care planning, and estate coordination.