Predictable Income for life.
Turn your savings into a steady paycheck that covers your essentials—no matter what the market does.
Guessing Isn’t a Plan
Retirees don’t run out of money because they overspend.
They run out because their income depends on markets that don’t obey their calendar.
When every grocery run or market headline triggers worry, retirement stops feeling like freedom.
The question isn’t “how much have I saved?”
It’s “how much of my living is guaranteed?”
Cover Essentials for Life
Start with what matters most—your essentials.
You don’t need every dollar guaranteed, just the ones that pay for what you can’t afford to lose.
These are your Essential Living Costs:
Home: mortgage or rent, utilities, taxes, insurance
Food: groceries, basic household needs
Healthcare: premiums, prescriptions, deductibles
Transportation: car, fuel, maintenance
Giving: regular tithes and charitable commitments
Core protection: medical, life, and long-term-care insurance
We calculate your Essential Income Floor—then align guaranteed sources like Social Security, pensions, and annuities to meet it every month for life.
Your essentials. Your lifetime. Covered.
How We Calculate It Together
List every recurring monthly need.
Separate “must-haves” from “nice-to-haves.”
Map Social Security and pension income.
Fill any gaps with protected lifetime income solutions.
Leave the rest invested for growth and flexibility.
Outcome: peace of mind knowing the lights, food, and health coverage are secure—before worrying about travel, hobbies, or legacy giving.
“Be diligent to know the state of your flocks.” — Proverbs 27:23
Predictable income isn’t just comfort—it’s stewardship. It allows generosity, stability, and rest.
When you know your essentials are covered, you’re free to serve, give, and live generously.
How It Fits in G.R.A.C.E.
Guaranteed Income is the foundation of the G.R.A.C.E. Framework.
Without it, everything else—Reserves, Asset Growth, Tax Strategy, Estate Planning—rests on uncertainty.
You’ve sacrificed for it. Now make it last.
Let’s define your Essential Income Floor and build a plan that guarantees it for life.