No employer pension — Social Security and savings only
No pension? Part of your savings has to become the paycheck.
The Personal Pension Analysis starts with essential expenses and Social Security, measures the remaining gap, and explores reasonable ways to address it — framed around the missing paycheck, not a product category.
Complimentary and educational. A licensed specialist reviews it with you by Zoom or phone in about 20 minutes — no product presentation.
12+ years each
Retirement & income planning experience
3,000+
Retirement income strategies reviewed
$3 billion+
Retirement assets analyzed
Each of our Experts brings at least 12 years of successful college funding and retirement planning experience, beginning with A+ Rated Carrier Training.
What your Personal Pension Analysis shows
- Essential spending remaining after Social Security
- Whether the income needs to cover one life or two
- The dollar size of the essential-income gap
- Alternatives to close the gap, with liquidity, inflation, and legacy tradeoffs
What a good outcome looks like
A measured gap, documented alternatives, and one clear next action — whether or not an annuity is appropriate.
The questions we work through
- How much essential spending remains after Social Security?
- Should the income cover one life or two?
- How important are liquidity, inflation response, and legacy assets?
How the follow-through works
- Day 0: Send the essential-expenses worksheet.
- Day 3: Call to confirm the Social Security estimate.
- Day 8: Share a one-life versus two-life example.
- Day 15: Invite to the income-planning session.
- Day 25: Close the loop with two appointment options.
You decide the pace. At any point you can ask us to follow up later or close the loop entirely.
Common questions
No-Pension Income Campaign: the questions people ask first
How do I create a pension if my employer never offered one?+
You build one from the pieces you control: Social Security timing, a portion of savings converted into guaranteed lifetime income, and a withdrawal plan for the rest. The goal is a monthly number that arrives whether or not markets cooperate.
How much of my savings should become guaranteed income?+
Usually only the portion needed to cover essential expenses that Social Security does not already cover. Guaranteeing more than that trades away flexibility you may want later, which is why the gap is calculated before any product is discussed.
What happens to the money if I die early?+
That depends entirely on how the income is structured — single life, joint life, period certain, or a contract with a death benefit. It is a design choice made up front, and it belongs in the same conversation as the monthly amount.
Pick your time
Select a window for our team to verify your information and schedule your Expert match call
Pick a window and our team calls first to verify your details and confirm what to review. Then we match you to the right licensed specialist for your Tele-Wealth consultation. No pitch — we walk through your answers, your numbers, and what to fix first.
Smart Match — the right expert for you: We don't randomly assign you to whoever is available. We review your questionnaire answers and match you with an experienced Fiduciary Retirement Specialist who can best address your situation — then they stay with you from there.
Select My Verification Window →Plans change — that's fine. You can reschedule or cancel in a couple of clicks, any time, without calling or emailing us.
This review is educational and is not tax, legal, or accounting advice, and is not an offer or solicitation. Annuities are long-term insurance products that may involve fees, surrender charges, withdrawal limits, and tax consequences; guarantees depend on the claims-paying ability of the issuing insurer. Bank deposits and annuity contracts are not protected in the same manner. Rollovers and replacements are evaluated as balanced decisions, including the option to keep what you have. We coordinate with — and never substitute for — your tax and legal professionals.
Our fiduciary commitment
We only refer you to Retirement Experts who are obligated to act as a fiduciary at all times — legally bound to put your interests ahead of their own on every single recommendation they make to you.
Every Expert we refer must also be willing to give you a written Fiduciary Pledge — a signed legal statement confirming that duty to you in writing. If an Expert will not put it in writing, we will not refer you to them. Just ask for it on your call.
Read and download the Fiduciary Pledge