This is important. Don't risk your retirement security.

Constrained Investors have specific needs. If you are approaching retirement, or already retired, use the calculator below to find out if you're a Constrained Investor.

Find out if you're a Constrained Investor.

Constrained Investor?

If you are a Constrained Investor, you'll want to be cautious about the strategy you use to create your monthly income. Consider The Income for Life Model®. It's an investment strategy with the objective of creating inflation-adjusted income for life. Ask for a Personalized Analysis.

Watch the movie. Learn what a Constrained Investor is.

You're a Constrained Investor®

Time to be cautious about planning your retirement income.

You need to carefully design your strategy for monthly income. Why? Your total savings amount isn't high relative to the income you expect to generate. This means less margin for error. You should try to manage The 3 Big Risks.

  • To help mitigate longevity risk, your income strategy should include a measure of lifetime guaranteed income. A straightforward income annuity will help.
  • To plan for the impact of rising prices, your strategy should expose an appropriate amount of savings to equity investments. Seek investments with low fees and expenses.
  • You will benefit from a formal, written plan describing your income strategy.
  • Ask for a Personalized Analysis of The Income for Life Model®, an investing strategy developed for Constrained Investors like you.

Next Steps

Learn about The Income for Life Model by watching the movie below.

"What's My Income?"


Request a Personalized Analysis. It describes your personal plan for creating retirement income.

I specialize in helping people plan for retirement security. Please enter your email address to request a Personalized Analysis of The Income for Life Model®.