How Blackburn Helps
During your working years, the goal was to save and grow what you could. Retirement changes the job of that money. Now it may need to help create income, protect what you've built, provide for the people you care about, and prepare for things you can't predict.
Blackburn helps you understand how a portion of your retirement savings can be positioned to help accomplish those goals — while working alongside Social Security, pensions, and the other pieces of your retirement picture.
Retirement changes what you may need from your savings. Growth is no longer the only consideration. Your money may need to do several jobs at the same time.
You spent decades earning a paycheck. Retirement shouldn't mean wondering where the next one will come from.
A portion of your retirement savings can be positioned to create guaranteed income designed to continue for the rest of your life — helping provide another dependable source of income alongside Social Security and pensions.
While you're working, you may be able to wait for your savings to recover after a market downturn. In retirement, taking income from an account that's already losing value can make that recovery much harder.
Blackburn can help you explore ways to protect a portion of your retirement savings from market losses while still providing an opportunity for interest growth.
The money you've saved may have one more job after it's finished taking care of you.
For some people, leaving something behind for a spouse, children, grandchildren, or others they care about is an important part of retirement planning. Certain strategies can include death-benefit and legacy features designed to help pass remaining value to the people you've chosen.
A retirement plan built for the years you expect should also consider the years you can't predict.
A change in health or the need for extended care can change how retirement money is used. Certain strategies may offer features that provide additional access to money or increased benefits when qualifying health or extended-care needs arise.
Not every dollar in retirement has to do the same job.
Some money may need to remain available for everyday expenses and unexpected needs. Some may be positioned for growth. And some may have a different purpose — helping create income you know will be there, regardless of what the market is doing.
That's where guaranteed income can play a role.
Blackburn specializes in fixed and fixed indexed annuities that can be used to help create dependable lifetime income while protecting a portion of your retirement savings from market losses. Depending on the contract and your individual situation, certain annuities may also offer features designed to support legacy goals or provide additional benefits when qualifying health or extended-care needs arise.
The goal isn't to put all of your retirement savings into an annuity. It's to determine whether guarantees have a useful job to do within your retirement picture.
Blackburn primarily works with people who are retired or approaching retirement and have retirement savings they can access — such as an IRA, a former employer's 401(k), or a retirement plan that becomes available when they retire.
If you're still working and your retirement savings are tied up in your current employer's plan, there may simply be nothing to do yet. When those savings become available, the options can change.
There isn't one right place to begin. Choose the option that makes the most sense for where you are today.
Read the plain-English guide to turning a lifetime of savings into dependable retirement income.
Use the free Retirement Income Planner to bring together your income, savings, expenses, and priorities and receive your Retirement Income Snapshot.
Explore retirement income videos and articles covering the questions and decisions that come with turning savings into retirement income.