How One Client Secured a $4,000/Month Guarantee

Meet Sarah, a 58-year-old teacher who was worried about retirement. Here's how we built her guaranteed income strategy.

The First Meeting:

Sarah came to me stressed. She had about $400,000 saved but had no idea if it was enough. Her pension would cover some expenses, but not all. The gap was keeping her up at night.

"I don't want to worry about money in retirement," she told me. "I want to travel, spend time with my grandkids, and not check my account balance every day."

The Caddie Approach:

We looked at her complete financial picture: - $400,000 in savings - Small pension of $1,800/month - Social Security of $2,200/month (at 67) - Monthly expenses of $6,500

The gap? About $2,500/month that she needed to cover from savings.

The Strategy:

We positioned a portion of her savings into a deferred income annuity that would: - Start payments at age 65 - Provide $4,000/month guaranteed for life - Leave remaining assets for growth and emergencies - Create income she literally cannot outlive

The Result:

Sarah now has MORE guaranteed monthly income than she needs. The surplus gives her flexibility for travel, helping family, or whatever brings her joy.

"I sleep better knowing that money will be there, no matter what the market does," she told me last month.

That's what good caddying looks like.

*Note: Details changed to protect client privacy. Results vary by individual circumstances.*