For years, retirement conversations tend to focus on one number: How much have I saved? That number matters. But once you retire, another question becomes just as important: How will I turn those savings into income? In Washington, this question is becoming increasingly relevant. Nearly 18% of Washington residents were age 65 or older in 2024, up from 12.3% in 2010. As more Washington residents enter retirement, creating a reliable source of retirement income is an important

For many Americans, retirement doesn't look quite the way they imagined it would. The traditional pension that once provided predictable monthly income has become increasingly rare. Today, most retirees rely on a combination of Social Security, personal savings, investment accounts, and whatever other income sources they've built along the way. The challenge? Making that income last. Recent retirement research found that nearly half of retirees say their expenses are higher t

When most people think about annuities, they think about guaranteed income in retirement . And that’s true—but it’s only part of the story. Used correctly, certain annuities can also play a meaningful role in what you leave behind for your family . Turning Income Into a Legacy One of the biggest concerns retirees have is this: “What happens to my money if I pass away early?” With the right annuity structure, you can: Provide lifetime income for yourself Ensure that remaining

If you’ve already retired—or you’re getting close—you’ve probably had this thought: “My pension is solid… but what if it’s not enough?” That’s a fair concern. I’ve been in this industry for years, and what’s changed recently is simple: people are living longer, costs are higher, and relying on a single income source just doesn’t feel as secure as it used to. More retirees today aren’t looking for higher returns—they’re looking for more certainty . That’s why the idea of creat