A Retirement Paycheck You Can’t Outlive
Personalized guaranteed-income strategies for pre-retirees and retirees who want predictable monthly income, less market stress, and a clear plan for the next 25+ years.
Rates shown are indicative and subject to change without notice. They vary by state of issue, premium amount, and product features. Annuities are not FDIC insured; guarantees are based on the claims-paying ability of the issuing insurance company. Source: AnnuityRateWatch. Last Updated: May 20, 2026.
Best for households with $250K+ in retirement savings · Florida-licensed fiduciary · No-cost, no-pressure consultation
Our Retirement Income Process
- Discovery call
- Income modeling
- Carrier review
- Implementation and ongoing support
Other Retirement Risks to Plan For
- Sequence-of-returns risk: the order of market returns can dramatically affect income sustainability.
- Tax drag risk: inefficient withdrawals can erode your savings faster.
- Inflation risk: rising costs reduce the purchasing power of your income over time.
Why Choose LifeCraft
- Independent advisors focused on your best interest
- Customized strategies tailored to your assets and goals
- No cost, no obligation to get your retirement income plan
Meet Your Advisors
A Florida-licensed insurance specialist and a CFP® fiduciary advisor, working together to design guaranteed retirement income.
Linda Pierre
Vice President · Guaranteed Lifetime Income Specialist
Florida-licensed since 2014 · License #W064741
Raul Benitez, CFP®
Certified Financial Planner
Florida-licensed · CFP® since 2018
Get Started Today
Take control of your retirement by requesting your personalized income plan. Whether you have savings, 401(k)s, IRAs, or other investments, we’ll help you turn them into a reliable paycheck for life.
✔ Tailored income plans for pre-retirees
✔ Structured, predictable income
✔ No cost, no obligation
Who This Is For
- You’re within 10 years of retirement
- You have $250,000+ in assets earmarked for retirement
- Your money is in savings, 401(k)s, IRAs or investment accounts
- You want structured income, not guesswork
- You’re concerned about market volatility affecting withdrawals
What Happens Next
- Request your plan
- Speak briefly with an advisor to gather details
- Receive your personalized retirement income plan
Why longevity risk matters
Most retirement plans fail for one simple reason: people live longer than they expect.
See the data: Why longevity risk matters for your retirement income →
This is why retirement income planning has to focus on lifetime income, not just investment returns.
Most retirees focus on market risk and taxes. The bigger threat is running out of income if you live longer than expected — and that’s exactly the risk a guaranteed-income strategy is designed to remove.
Disclaimer: The material on this site is for general informational purposes only. It does not amend, modify, or supplement any insurance policy. Always consult the actual policy and a licensed insurance agent for details on terms, conditions, coverage, exclusions, and availability. Advertising for insurance products must be truthful and must not imply that the state or federal government endorses or guarantees any products or returns. Guarantees associated with insurance products are dependent on the issuing company’s financial strength and claims-paying ability. Nothing on this site is intended as tax, legal, or investment advice.