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OUR STORY, YOUR COMMUNITY.

YOUR SOURCE FOR SAFETY.

Retirement Income Source is unlike any other financial firm. Our focus is on helping hardworking Americans just like you achieve their retirement goals with time-honored financial tools and unique strategies designed to help protect your money, grow it more safely, and deliver reliable income regardless of market conditions. That’s right, you can enjoy a market-proof retirement! With our guidance, you’ll have the clarity and confidence to live the retirement you’ve worked so hard for.

DON'T WORRY, BE HAPPY.

Retirement should be a time to enjoy the fruits of your labor. You’ve worked hard, saved wisely, and played by the rules. You shouldn’t have to worry now about things like market volatility putting your financial security at risk. So, don’t worry. Be happy and confident knowing you have a sound strategy designed to better protect your money in all market conditions while generating the steady income you need for as long as you need it.

All across the country, our franchised Retirement Income Source advisors are helping safety-minded investors like you look forward to and enjoy retirement with greater confidence and peace of mind. We’re not just another financial firm. We are a thriving community of families who share a common belief based on experience: that real financial security is an achievable goal!

YOU DESERVE SOLID GROUND.
YOU'VE FOUND IT.

WITHIN TEN YEARS
OF RETIREMENT

You’re getting close, and the steps you take now will make all the difference. This is the time to adjust your investments, plan your income, and make sure things like healthcare and taxes won’t catch you off guard. Think of it as laying the foundation, so you can enjoy retirement without stress. You still have time to make changes, and every step you take now gives you more  freedom and peace later.

AT RETIREMENT AGE

You’re right at the starting line of retirement — it’s time to turn everything you’ve saved into a steady paycheck you can count on. The choices you make now, like when to take Social Security or how to manage your accounts, will shape how comfortable your retirement feels. This is about balancing today’s lifestyle with tomorrow’s needs. With a solid plan, you can step into this new chapter with confidence and clarity.

ALREADY RETIRED

You’ve made it, and now it’s all about keeping things running smoothly. Retirement is about enjoying life while making sure your money lasts and your loved ones are cared for. It’s also about staying prepared for surprises, like rising costs or health needs, without losing peace of mind. A few smart adjustments along the way will help you protect your lifestyle and your legacy.

how we serve you.

RETIREMENT
PLANNING

WEALTH
MANAGEMENT

INCOME
INVESTING

ESTATE AND
LEGACY PLANNING

YOUR RETIREMENT INCOME SOURCE PATH.

Start with Learning.

Understand what we do, how we do it, and how it supports your retirement goals with clarity.

Align Your Goals.

Work with us to match your retirement strategy to your personal goals for the future you want.

Protect and Grow

See how our math-driven approach helps protects your savings, grows it strategically, and builds reliable income.

Enjoy With Confidence.

Relax knowing your plan is actively managed to adapt to your needs, minimize risks, and seize opportunities.

Within Ten Years of Retirement

Risk Management:
How prepared is your portfolio for a market downturn?

I haven’t thought about what a big market drop would do to my savings.

I know a downturn would hurt, but I’d probably recover over time.

I’ve already adjusted my investments, so a downturn won’t derail me.

Optimization of Income:
How clearly do you know the income you’ll need in retirement?

I’m not sure what I’ll need or where it will come from.

I have a ballpark number, but no detailed plan.

I’ve calculated my income needs and know exactly how I’ll fund it.

Unexpected Expenses:
If something happened to you tomorrow, how prepared would your dependents be?

They’d be financially lost without me.

They’d manage for a little while, but eventually struggle.

They’d be more financially secure because I’ve planned ahead.

Tax Efficiency:
How well do you understand the taxes you’ll pay on retirement accounts?

I have no clue how retirement withdrawals are taxed.

I know the basics, but I’m not sure how it affects me.

I fully understand and have strategies in place to help minimize taxes.

Estate Planning:
How prepared are you with wills, directives, and estate plans?

I don’t have anything written down.

I’ve started, but my plan is incomplete or outdated.

I have a complete and current estate plan in place.

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Risk Management: How prepared is your portfolio fora market downturn?
Optimization of Income: How clearly do you know the income you’ll need in retirement?
Unexpected Expenses: If something happened to you tomorrow, how prepared would your dependents be?
Tax Efficiency: How well do you understand the taxes you’ll pay on retirement accounts?
Estate Planning: How prepared are you with wills, directives, and estate plans?
Thank you for taking our risk assessment quiz! Please fill out this form, so we can help tailor a more risk-free retirement plan suited for your needs.

At Retirement Age

Risk Management:
How would a market swing affect your lifestyle right now?

It could force me to delay or change my plans.

I might need to tighten my budget for a while.

It wouldn’t change my retirement lifestyle.

Optimization of Income:
How certain are you about your retirement income sources?

I don’t really know where the money will consistently come from.

I know the main sources, but I haven’t planned how to use them.

I’ve mapped out all income streams and how they work together.

Unexpected Expenses:
How prepared are you for long-term care costs?

I haven’t planned for them.

I’ve thought about them, but I haven’t secured coverage.

I have protection and funding strategies in place.

Tax Efficiency:
How well do you understand taxes on your withdrawals and RMDs?

I don’t understand them at all.

I have a general idea, but not a detailed strategy.

I fully understand and have a tax-efficient plan.

Estate Planning:
How prepared is your estate plan?

I don’t have one.

I’ve started, but it’s incomplete.

I have a complete, updated plan in place.

"*" indicates required fields

Risk Management: How would a market swing affect your lifestyle right now?
Optimization of Income: How certain are you about your retirement income sources?
Unexpected Expenses: How prepared areyou for long-term care costs?
Tax Efficiency: How well do you understand taxes on your withdrawals and RMDs?
Estate Planning: How prepared is your estate plan?
Thank you for taking our risk assessment quiz! Please fill out this form, so we can help tailor a more risk-free retirement plan suited for your needs.

ALREADY RETIRED

Risk Management:
How do you feel about market volatility?

It makes me anxious that I’ll run out of money.

It worries me sometimes, but not always.

I feel secure no matter what the market does

Optimization of Income:
How secure do you feel about sustaining your income?

I’m worried I’ll outlive my money.

I think I’ll be okay, but I’m not fully certain.

I’m confident my income will last.

Unexpected Expenses:
If you faced a major medical expense today, what would happen?

It would devastate my finances.

It would hurt, but I could manage.

I’d be covered without stress.

Tax Efficiency:
How prepared are you for taxes on withdrawals, RMDs, and Medicare penalties?

I haven’t planned for them at all.

I know about them, but I don’t have a strategy.

I’ve implemented tax strategies to help reduce their impact.

Estate Planning:
How updated is your estate plan?

I don’t have one.

It exists, but it needs updates.

It’s current and clearly protectsmy wishes.

"*" indicates required fields

Risk Management: How do you feel about market volatility?
Optimization of Income: How secure do you feel about sustaining your income?
Unexpected Expenses: If you faced a major medical expense today, what would happen?
Tax Efficiency: How prepared are you for taxes on withdrawals, RMDs, and Medicare penalties?
Estate Planning: How updated is your estate plan?
Thank you for taking our risk assessment quiz! Please fill out this form, so we can help tailor a more risk-free retirement plan suited for your needs.

Where are you on your retirement journey?

Retirement Readiness Self-Assessment Survey

____ RISK MANAGEMENT

My retirement accounts have been stress-tested for various market conditions.

My investments are safeguardedagainst market crashes.

Fear won’t stop me from enjoying retirement when the market drops.

My current investments match my risk tolerance.

____ OPTIMIZATION OF INCOME

I know how much income I need to support my retirement goals.

I know how much I can spend without touching my principal.

I have calculated inflation into my need for retirement income.

I don’t fear running out of money because I have a solid income plan.

____UNEXPECTED EXPENSES

If I were not here tomorrow,my dependents would be fine financially.

I’m prepared for the cost of future medical events.

I can handle long-term care expenses without running out of money.

My current investment strategy will keep up with rising medical costs.

____ TAX EFFICIENCY

I understand how retirement accounts are taxed,and I’m paying the minimum.

I have a plan to help minimize taxes on RMDs from my 401(k)s and IRAs.

I have implemented a conversion strategy to help maximize my tax savings.

I have a plan in place to help minimize IRMAA penalties.

____ ESTATE PLANNING

My estate plan establishes proper distribution of my assets.

My estate will not have to payprobate fees.

I have POAs for healthcare, medical,and a living directive.

I’m protected from anyone contesting my last wishes.

"*" indicates required fields

____ RISK MANAGEMENT
_____ OPTIMIZATION OF INCOME
_____ UNEXPECTED EXPENSES
_____ TAX EFFICIENCY
____ ESTATE PLANNING