Income Planning
As you engage in retirement income planning for your clients, the primary issue is, "How do we establish streams of income that can help a client live comfortably in retirement and last for his or her lifetime?"
There are also a number of sub-issues:
- Is the client saving enough?
- Are the client’s assets properly allocated?
- Have we identified sources of income that we are sure will last for life?
- Of the income we create for our client, how much will he or she keep and how much will be paid in taxes?
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The Nonqualified Annuity Aggregation RuleExplains the Aggregation Rule's impact on the taxable amount of distributions from nonqualified annuities. VLP1471-0819WDownload Email
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2021 Retirement Plan and Social Security Limits OverviewA quick-reference sheet of retirement plan and Social Security limits for the current year. VLC0889-0121Download Email
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2021 Federal Tax Amounts and LimitsA quick reference sheet of current federal tax amounts and limits. VLC0888-0121Download Email
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Household Expenses by Age GroupsOverview highlighting key expenses to consider for retirement planning by age group. VLC2086-0421Download Email
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A Protected Approach to Retirement SpendingImagine retirement savings as a large loaf of bread. How much do you cut off for legacy and emergency? How much for spending in retirement? This white paper covers research to help retirees get the most out of retirement. VLC2256-0821WDownload Email
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CalculatorsRun product illustrations online or use our online calculators to assist in tax planning, retirement planning, distribution planning, and investment fee comparisons.
Want to Talk Further on this Topic?
The Retirement Strategies Group, subject-matter specialists with advanced degrees and designations such as CFA®, CFP®, ChFC®, CLU®, and JD, are ready to help.
Call:
(800) 722-2333
In New York, (800) 748-6907
Email:
RSG@PacificLife.com
Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.
Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.
Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.
Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company (Newport Beach, CA) and an affiliate of Pacific Life & Annuity Company. Variable and fixed annuity products are available through licensed third parties.
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