Income Planning That
Keeps Your Retirement
Comfortable
We design income plans that prioritize essential expenses, tax
efficiency, and long-term stability. Our goal: reliable cash flow
so you can enjoy retirement without constant worry about
market swings or tax surprises.
Aion Retiement
THE BAR IN THE INDUSTRY
THE BAR IN THE INDUSTRY
Why choose us?
Are you someone struggling to grow your Annuity business?
Tax‑smart sequencing
Optimize withdrawals from pre-tax, after-tax, and tax-free accounts to reduce overall tax drag.
Income floor design
Combine guaranteed sources (Social Security, pensions, annuities) with liquid reserves for flexibility.
Scenario modeling
Run longevity, inflation, and market-stress tests so your plan holds up in different futures.
Income Planning for
a Confident Retirement
Social Security & Pension Optimization
Determine the best claiming strategy (including spousal options) and timing to maximize lifetime after‑tax income while fitting your broader plan.
Withdrawal Sequencing & Tax Management
Plan the order and timing of taxable, tax‑deferred, and tax‑free withdrawals — including Roth conversions — to minimize taxes and stretch your portfolio.
Guaranteed Income & Cash-Flow Design
Blend annuities, pensions, and portfolio withdrawals to create an income floor for essentials while keeping upside and liquidity for discretionary spending.
Income Planning
Income planning creates a clear, reliable roadmap for turning your retirement savings into sustainable cash flow. We assess guaranteed sources (Social Security, pensions, annuities), investment income, and taxable account withdrawals, then design a withdrawal sequence that balances spending needs, tax efficiency, and longevity risk. That includes building an emergency cash reserve, layering income (guaranteed first, then flexible investments), planning RMDs and tax-aware Roth conversions, and stress‑testing scenarios for market downturns or unexpected expenses.
The goal: predictable monthly income for essentials, growth potential for discretionary spending, and a resilient plan that adapts as your life and market conditions change.
Secure Your Retirement
Income Plan
Income Planning — Predictable Retirement Paychecks
Align Social Security, investments, and annuities into a clear monthly income stream that lasts through retirement.
Secure Your Retirement Income Plan
We combine your savings, benefits, and annuity options to create steady, worry‑free payments for everyday living.
Reliable Income Planning for Retirement
Build a tax‑smart income plan with annuities and investments for consistent, guaranteed monthly payouts and peace of mind.
1350+
PARTNERS
700+
Monthly appointments
We are here to help you grow your business
Whether you’ve just joined Aion Retirement or have been with us for years, our dedicated team focuses on each stage of your client acquisition pipeline. It begins with an Account Manager who onboards you onto our platform within 7 days of joining.
Frequently asked Questions
Do you have any questions? We are here for you.
What is income planning and why does it matter?
Income planning creates a reliable, tax-efficient plan to convert your retirement savings into predictable retirement income. It helps you cover living expenses, manage taxes, reduce longevity risk, and preserve legacy goals.
What happens during the Discovery Call?
We review your retirement accounts (IRA, 401(k)), expected income needs, desired lifestyle, risk tolerance, sources of guaranteed income (Social Security, pensions), and tax situation. This no-obligation conversation determines if we’re a good fit and sets priorities for your plan.
How flexible is an income plan if my situation changes?
We design flexible plans with periodic reviews. Options like partial Roth conversions, laddered annuities, or dynamic withdrawal rules allow adjustments as income needs, health, or markets change.
When can I start receiving income and how will payments be delivered?
Start timing depends on your strategy—immediate annuities begin payments shortly after purchase; deferred annuities and systematic withdrawals follow your chosen schedule. We set up payment methods (direct deposit, scheduled transfers) to match your cash-flow needs.
Is there a cost for the initial Discovery Call?
The Discovery Call is typically no-obligation and free. Implementation and ongoing services are fee-based; we explain costs and service scope before you commit.
How often will we review the income plan?
We recommend regular reviews—at least annually, or more often after major life events (market swings, retirement, health changes). Reviews ensure income targets, tax plans, and product choices remain appropriate.
When can I start receiving income and how will payments be delivered?
Start timing depends on your strategy—immediate annuities begin payments shortly after purchase; deferred annuities and systematic withdrawals follow your chosen schedule. We set up payment methods (direct deposit, scheduled transfers) to match your cash-flow needs.
Whether you’re seeking a financial advisor or exploring our free and personalized financial calculators, Aion Retirement is your go-to destination for a secure and confident retirement. Let’s shape your financial future together.