Most people have no idea how much income their current retirement plan will actually produce.

They’ve saved diligently, invested in a 401(k), and followed the traditional advice—but when it comes time to turn that nest egg into income, the results can be disappointing.

That’s exactly what happened to a recent client of ours—a 42-year-old professional with $240,000 saved. He believed he was on the right path.

But when we ran the numbers on his current trajectory, the outcome shocked him.

The Problem: A Traditional Plan Built on Hope

His traditional plan, managed by a well-known advisor, projected just $31,000–$33,000 in annual income at retirement.
And that was before taxes.

This is one of the biggest flaws in conventional planning—it focuses on accumulation, not income. And it leaves people vulnerable to market volatility, tax hikes, and fear around running out of money.

We showed him why this approach wouldn’t give him the financial security—or lifestyle—he was hoping for.

The Solution: Transitioning to a Tax-Free Income Strategy

We implemented a Transition to Tax-Free Retirement strategy using a Specially Designed Insurance Contract—a solution often overlooked by traditional advisors.

Here’s what the new strategy included:

✅ 10% upfront bonus (real dollars, not just a benefit base)
✅ 4.75% fixed guaranteed growth—no exposure to market risk
✅ A structured Roth conversion plan—moving $140K per year over five years into a Roth IRA
✅ A focus on guaranteed, tax-free income rather than market-dependent withdrawals

This approach transformed his retirement outlook:

• From: $31K–33K per year (taxable)
  
  

• To: $105K–108K per year (tax-free)
  

All while eliminating future tax liability, removing market exposure, and giving him complete control over his plan.

The Advisor’s Reaction—and What It Revealed

When the client informed his previous advisor of the change, the response was simple:

“We could’ve done that.”

But they didn’t.

And this is where many people get stuck. They assume their current advisor has shared all the strategies. The reality is, most advisors don’t. Whether due to a lack of training, access, or initiative—critical opportunities get missed.

Here’s the kicker…

The Twist: The Advisor Implemented the Strategy—For Themselves

Several years later, that same advisor reached out and implemented this exact strategy for their own retirement.

They knew it worked.
They just didn’t offer it to their client.

Our client? He acted early, got ahead of rising taxes, and positioned himself for a retirement with greater income, control, and peace of mind.

Why This Matters

This case study illustrates one of the most important financial truths:

It’s not just about how much you’ve saved—it’s about how much income that savings will generate.

The traditional accumulation model focuses on stockpiling cash and “hoping” it will be enough.

The wealthy think differently:

✅ They use income-based strategies
✅ They protect against taxes before they rise
✅ They avoid unnecessary market risk
✅ And they build plans that last—no matter what happens in the economy

What’s Possible For You?

Most people never get to see what their plan is really capable of.

That’s why we offer the Wealth Acceleration Strategy Session.

In just 30 minutes, you’ll learn:

• How your current plan stacks up
  
  

• What your projected income actually looks like
  
  

• And how you could increase, protect, and tax-proof your retirement income—just like this client did
  
  

👉 [Click here to schedule your free Wealth Acceleration Strategy Session now.]

Don’t let “we could’ve done that” be part of your story.
Take action now—your future self will thank you.