Retirement
Retirement isn’t the end of your story, it’s the chapter you’ve worked your whole life to write. At Legacy Ensured Group, we help you design that chapter with clarity, confidence, and purpose.
True retirement planning isn’t just about reaching a number, it’s about creating income you can rely on, flexibility you can enjoy, and security that lasts for life. We focus on strategies that balance protection and growth, so you can live freely knowing your essentials are covered and your dreams are still within reach.
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How confident are you about having a comfortable retirement? If you’re a little worried, you’re not alone. According to a report by the Employee Benefit Research Institute, 36% of Americans said they were “not very confident” or “not confident at all” about being able to retire comfortably. We can help change that.
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Whether you’re five years away or already retired, we’ll help you structure a plan that gives every dollar a job — one that supports your lifestyle, your goals, and your legacy. Because peace of mind shouldn’t stop when the paychecks do.
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A Strategy Built for Real Life
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Your retirement plan should reflect how you want to live, not just how long you’ll live. That’s why we start with a simple conversation about your vision, your priorities, and what financial freedom truly means to you. Then, we tailor a plan designed to provide sustainable income, protect against market volatility, and ensure you never outlive your resources.
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Take a moment to ask yourself:
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Do you know how long your current savings would last if the market dropped tomorrow?
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Have you mapped out which sources of income are reliable and which are not?
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What would it feel like to retire knowing your essential income is guaranteed for life?
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How would your lifestyle change if you didn’t have to worry about running out of money?
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Case 1: Market Loss at 59: When Time Isn’t on Your Side
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Meet Robert, a 59-year-old engineer who had been diligently contributing to his 401(k) for over 30 years. He felt confident that retirement was just around the corner, until the market took an unexpected dive.
Almost overnight, Robert lost over $200,000 from his retirement account. He still had a few years left before retiring, but not enough time to fully recover the loss. Watching decades of savings disappear so close to retirement left him anxious and unsure of what to do next.
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If Robert had positioned a portion of his retirement savings into a protected-growth strategy, such as an indexed annuity with lifetime income benefits, his principal could have been shielded from market downturns. He would have continued earning interest when the market rose and never lost a dollar when it fell.
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With that kind of protection, Robert could have retired on his own terms, knowing his income was secure for life.
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Market risk close to retirement can erase years of hard work. Using strategies that combine growth potential with principal protection ensures your retirement plan keeps working, even when the market doesn’t.
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Case 2: “I Thought I Had Enough” The Hidden Gap After Taxes and Social Security
Meet Carol and Anthony, a couple in their early 60s who did everything “right.” They maxed out their 401(k) contributions for years, avoided debt, and planned to live comfortably once they started drawing from Social Security.
But when they sat down to calculate their actual income, the reality hit hard:
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After taxes on their 401(k) withdrawals, their take-home income was far less than expected.
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Combined with Social Security, their monthly cash flow wouldn’t even cover their regular lifestyle, let alone travel or unexpected healthcare costs.
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They realized they had focused on saving a lump sum, but not on how to turn that savings into reliable, tax-efficient income.
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Working with a strategist, they could have diversified their retirement portfolio to include tax-free income options, such as a properly structured indexed life policy or Roth alternative, and guaranteed lifetime income solutions to cover essential expenses.
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By building a plan around income streams, not just balances, Carol and Anthony could have created predictability, protected against inflation, and retired with peace of mind.
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Retirement isn’t just about what you save, it’s about what you can spend confidently. Planning for tax efficiency and guaranteed income ensures your money lasts as long as you do.
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The Legacy Ensured Approach
At Legacy Ensured Group, retirement should be about living, not limiting. Let’s make sure your next chapter is one of freedom, fulfillment, and financial confidence.
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Empowering Families. Securing Legacies.
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