Swan Song System

If you retired today, how much income could your savings produce?

The strongest retirement plans combine guaranteed income you can never outlive with investment distributions that grow over time.

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$100K$5M

Your Details

Annuity Options

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Your Swan Song Snapshot

Two strategies, side by side — because the best plan usually includes both.

Investment Distributions

Portfolio Withdrawal

Keep savings invested, draw income each year. Your portfolio can grow — but you carry market risk.

$40,000/yr
$3,333/mo
Initial withdrawal rate: 4.0%
✓ Principal preserved — adjust, pivot, leave a legacy ✓ Growth potential above inflation ✗ Market risk means income may need to flex
Essentials coverage—
Full lifestyle—
Guaranteed Income

SPIA — Lifetime Annuity

Convert savings to a guaranteed paycheck for life. Higher initial income — but the premium is irrevocable.

$91,200/yr
$7,600/mo
Payout rate: 9.1% · single · level
✓ Guaranteed income you can never outlive ✓ Higher initial payout than portfolio withdrawals ✗ Premium is irrevocable — no principal access ✗ Level payments lose purchasing power to inflation
Real buying power over time →
Year 10: — Year 20: — Year 30: —
Essentials coverage—
Full lifestyle—
Total with Portfolio Path Withdrawals + SS + Pension — —
Total with SPIA Path Guaranteed + SS + Pension — —
💡 The sweet spot: Most retirees don't choose one or the other. They use guaranteed income (SPIA + SS + pension) to cover essentials, and keep the rest invested for growth, flexibility, and legacy. That combination is what lets you sleep at night and keep up with life.

30-Year Income Projection (today's dollars)

Portfolio withdrawals SPIA income Essentials threshold

So how do you find the right mix?

1
Cover your essentials with income you can't outlive.

Layer Social Security, pension, and potentially a SPIA until your non-negotiable monthly expenses are covered — regardless of what the market does.

2
Keep the rest invested for growth and flexibility.

Savings above the guaranteed floor stay in your portfolio — funding lifestyle spending, travel, generosity, and legacy with room to grow.

3
Optimize the split for your life.

Too much guaranteed income and you lose liquidity. Too little and your essentials ride the market. The right balance depends on your age, health, spending, risk tolerance, and goals.

This calculator shows you the range. A 30-minute Swan Fit Call helps you find your number within it.

The best retirement plan uses a combination of both strategies — tailored to your life.
Book Your Free Swan Fit Call
30 minutes · No obligation · Built around the G.R.A.C.E. Framework
Methodology & Assumptions

Portfolio withdrawal: Initial rate scales with age (≈3.5% at 55 → 5.0% at 75) and adjusts ±0.3% with risk preference. Based on dynamic guardrail research (Guyton-Klinger style). Portfolio assumed equity-heavy (60–80% stocks).

SPIA payout: Based on February 2026 market rates for single-life, life-only immediate annuities. Rates scale by age (≈7.5% at 55 → 10.8% at 75). Joint-life, 10-year certain, and COLA riders apply rule-of-thumb haircuts. Actual quotes vary by carrier, gender, health, and market conditions.

Key difference: Portfolio withdrawals preserve your principal (with market risk). SPIA income is guaranteed for life but irrevocable. Most strong plans use both.

These are estimates only — not quotes, projections, or financial advice.