Jordan Jenkins · Independent Advisor · WY & UT
Will Your Savings Last?
50% of 65-year-olds today will live past 85. Medicare covers your healthcare — but only you can ensure your money lasts as long as you do. A lifetime income strategy changes everything.
The Retirement Gap
Social Security Was Never Meant to Be Enough
On average, Social Security replaces only 40% of pre-retirement income. A $60,000/year lifestyle in retirement needs $3,500–$5,000/month from all sources combined. An income annuity can bridge that gap with a monthly check designed to last as long as you live — no matter what the market does.
Average Social Security benefit
~$1,900/mo
For a worker claiming at full retirement age
Typical retirement budget
$3,500–$5,000/mo
Varies by lifestyle and location
What an annuity can add
$800–$1,500+/mo
From $150K–$250K invested at current rates
Lifetime Income Options
Three Ways to Create Income Designed to Last a Lifetime
Safety & Preservation
Fixed Annuity
A fixed annuity earns a declared interest rate locked in by contract — no market exposure, no surprises. Think of it as a CD with better rates and tax deferral. Ideal for retirees who want safety and a predictable accumulation period before turning on income.
- Locked-in fixed rate (currently 4–6%)
- Zero stock market risk
- Tax-deferred growth
- 10% penalty-free withdrawals annually
Growth + Downside Protection
Fixed Indexed Annuity
A fixed indexed annuity (FIA) links your interest to a market index like the S&P 500 — giving you upside potential while protecting your principal from market declines. Most FIAs also include optional income riders.
- Interest linked to index performance
- Principal 100% protected from market losses
- Optional lifetime income rider
- Tax-deferred accumulation
Lifetime Income
Income Annuity (SPIA)
A Single Premium Immediate Annuity (SPIA) converts a lump sum into a monthly check for the rest of your life — like creating your own private pension. Simple, predictable, and unbeatable for pure longevity protection.
- Monthly income begins within 30 days
- Pays for life (or joint life)
- Higher payout than any savings account
- Option to include inflation adjustment
Why It Matters
One Conversation With the Right Advisor Can Change Your Retirement
Independent means unbiased
Captive agents only sell their employer's products. Jordan compares annuity designs from 10 carriers — finding the one that actually pays the most for your age, health, and situation.
Annuity + Medicare coordination
Annuity income can trigger IRMAA — the Medicare Part B and D income surcharge. Jordan coordinates your retirement income strategy with your Medicare enrollment to avoid this costly surprise.
No advisory fee — ever
Jordan is paid by the carrier when you purchase a product. You pay no advisory fee. The payout rates he can access are identical to what you'd get going direct — you just also get his expertise.
Comparison shopping pays off
Payout rates vary significantly between carriers for identical products. A quick comparison can mean $50–$200 more per month — for the rest of your life. Jordan does that comparison for you in minutes.
Common Questions
Honest Answers About Annuities
Planning your retirement income is often paired with making sure your family isn't left with final expenses to cover — see our Final Expense Insurance guide.
Content reviewed against 2026 plan-year figures. Dollar amounts change annually — we'll confirm the current numbers in your consultation.
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Your Free Retirement Income Review
Thirty minutes with Jordan. He'll look at your Social Security estimate, current savings, and monthly budget — then show you exactly what a lifetime income strategy could look like for your situation. No products pushed until you're completely comfortable.