Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in retirement. The financial industry ran with this recommendation ever since. JP Morgan projects the following on a typical portfolio: Withdrawal Rate Likelihood of not running out of Money 3% 95 - 100% 4% 85 - 90% 5% 65 - 70% 6% 40 - 45% If you increase your withdrawal rate, your likelihood of success decreases significantly. Current Guaranteed Lifetime Income withdrawal rates: - Age 65: 7.5% guaranteed for life - Age 75: 8.5% guaranteed for life - Rates increase if you are older You can increase your income significantly with 100% likelihood of success. You cannot outlive your income.

This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

- Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

- Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

- Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.