The Personal Pension

Monthly Retirement Paycheck for Life

The Personal Pension is a monthly retirement paycheck guaranteed by insurance companies. Every dollar you put in buys you steady monthly retirement income that you can't outlive.

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The Personal Pension

Private Pensions to Supplement Your 401(k)

The private pension (Personal Pension) provides guarantees and protection that the 401(k) does not, namely from longevity and market risks. Use a Personal Pension to supplement your 401(k), making sure to always take advantage of the 401(k) employer match.

The Personal Pension

Employer Pension Vs. Private Pension

If you don't have an employer pension plan, you can use a private pension (Personal Pension) to create one for yourself. Every dollar you put in buys you insurer-guaranteed income.

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Retirement Income

Navigate Market Crashes with Retirement in Mind

The market performing poorly reminds us that we need to be cautious with the risks we take so we navigate market crashes well. Defend against recency bias by having a financial portfolio that will do what you need it to do through all kinds of market cycles.

Retirement Income

Insurer Spotlight: Guardian Life

Guardian Life, a partner of Blueprint Income, was founded in 1860 and is owned entirely by its shareholders. They continue to be one of the most reliable insurance companies in the United States. Learn more about Guardian Life annuities and other products they offer.

Retirement Income

Insurer Spotlight: New York Life

New York Life, founded in 1845, continues to be one of the most reliable credit agencies in the United States. Learn more about New York Life annuities and other products they offer.

QLACs

New Legislation, If Passed, Would Increase QLAC Limits

One part of the The Retirement Plan Simplification and Enhancement Act, calls for making upward revisions of the QLAC limit. Under the new proposed rules, you could contribute up to $200,000 or 100% of your 401(k) or IRA account balance to a QLAC, but it is still up in the air as to whether this will get passed.

Retirement Income

Annuity Tax Forms for a Qualified and Nonqualified Income Annuity

Qualified and nonqualified income annuities have differing tax treatment, meaning that once your retirement income has begun you will receive different tax forms reporting the amount of income generated from your qualified or nonqualified annuity. Here are the tax forms for your annuity and when you can expect to receive them.

The Personal Pension

Personal Pension 401(k) Rollover

If you have an old 401(k) sitting with a former employer, consider a Personal Pension 401(k) rollover that will turn the money you've worked hard to save into a guaranteed source of income you can't outlive.

The Personal Pension

The Personal Pension for Beginners

A Personal Pension offers guaranteed retirement income that lasts as long as you. Here's how the Personal Pension works.

Retirement Income

Why Are Annuity Rates Increasing and Will It Continue?

Increasing annuity rates, usually driven by long-term Treasury bonds and investment-grade corporate bond yields, have caused buyers to question whether the trend will continue and how that affects their plan to purchase an annuity. While it's challenging to predict future long-term interest rates, there are strategies to mitigate interest rate risk.

Retirement Planning

Taking Gains off the Table

The recent bull market has been an attractive place for investors looking to generate sizable returns on their investment. Ongoing speculation of a potential market downturn in 2018 is now leaving investors with the challenge of finding a way to protect their recent gains.

Pensions

5 Ways To Increase Your Pension Check

To maximize your retirement, you should try to maximize guaranteed income available to you. Here are 5 ways to increase your pension check.

Retirement Planning

History of Retirement (& Future Outlook)

The history of retirement starts with us not living long enough to retire. Then, the introduction of Social Security and pensions gave us retirement security. Today, we're struggling to manage market and longevity risks on our own.

Longevity

How Long Will I Live?

We aren’t fortune tellers, but with good data we can make predictions for the future. Here we answer the question “how long will I live?” by analyzing data.

The Personal Pension

Employer Pension Vs. Private Pension

If you don't have an employer pension plan, you can use a private pension (Personal Pension) to create one for yourself. Every dollar you put in buys you insurer-guaranteed income.

Pensions

Heinz-Kraft Pension De-Risking and Pension Advice for Its Employees

Heinz-Kraft is offering its workers plan consolidations, lump-sum offers to current non-retirees, or an annuity purchase in order to de-risk their pension liability. There are other alternatives to these options, however, that better suit those looking to secure guaranteed retirement income.

Pensions

DuPont’s Pension Buyout and Pension Advice for Workers

The merger of Dow and DuPont created $51 billion in pension obligations, resulting in the company’s decision to offer employees a lump-sum pension buyout. This Pension Buyout, however, has several implications for those who accept it.

The Personal Pension

Insurance for Retirement with Private Pensions

If you bought life insurance to protect your family from the loss of your income should you pass away early, you might also want to buy insurance for retirement through a Personal Pension to protect them against the opposite risk: that you live a long time and run out of money.

Inside Blueprint Income

Guarantee in Retirement Goal: Blueprint Income

Matt Carey, the co-founder and CEO of Blueprint Income, sits down with FinLab and explains Blueprint Income’s mission to make the guarantee in retirement come with guaranteed, lifelong income.

The Personal Pension

Private Pensions to Supplement Your 401(k)

The private pension (Personal Pension) provides guarantees and protection that the 401(k) does not, namely from longevity and market risks. Use a Personal Pension to supplement your 401(k), making sure to always take advantage of the 401(k) employer match.

Inside Blueprint Income

Security of Income in Retirement is Our Secret

Traditionally we're told to save for retirement, but we don't have security of income and no one tells us about how much is enough, when to start spending our retirement savings or how long we should plan to make it last. This is why at Blueprint Income we value an income-focused retirement plan.

Inside Blueprint Income

Retirement Security for Us Is Personal

Starting a start-up can be a daunting task, but when you're a true mission-driven start-up you are continually motivated to make the world a better place. For us, retirement security, and as part of this, working to heal the broken retirement system is more than just important, it's personal.

The Personal Pension

Flexible Private Pension

With the flexible private pension (the Personal Pension), you have full flexibility around your contributions. You could contribute annually, monthly, on an irregular schedule, or just once.

Inside Blueprint Income

Digital Marketing is Broken – Let’s Talk

At Blueprint Income we value use of digital marketing to properly convey our mission and goals. Think this is something you'd be interested in? Find out more below.

Inside Blueprint Income

CFSI’s Finlab: Blueprint Income Joins Class

Third Class of CFSI's FinLab (Financial Solution Lab): Blueprint Income is excited to announce our participation and here's how CFSI's FinLab is helping us achieve our goals.

The Personal Pension

Pension Guarantee in Private Pensions

The private pension (Personal Pension) provides a pension guarantee, which is a guarantee of steady retirement income backed by top-rated insurers. It's made up of annuities, which can be thought of as the opposite of life insurance.

The Personal Pension

Your Retirement Needs a Private Pension

Private pensions (like the Personal Pension) can meet your retirement needs if you want steady, guaranteed income that's isolated from the market and continues for as long as you're alive.

The Personal Pension

Protect Your Retirement Savings With a Private Pension

You can protect your retirement savings by starting a private pension (Personal Pension) with as little as $5,000 (the just Get Started Approach). Or, you can design one using the Income Gap or Asset Allocation approaches.

QLACs

Customizing Your QLAC

There are many features you can add to your QLAC so it best fits your needs. We’ve broken down the options you can select to customize your QLAC.

QLACs

Product Details of a QLAC

Although QLACs are similar to longevity annuities, they differ in a few key ways. We’ve clarified these four features here.

QLACs

How Will My QLAC Be Taxed?

QLACs’ special designation means that the income you receive can start later than age 70 1/2, reducing your RMDs and associated taxes. We’ve laid out the tax treatment your QLAC can receive.

QLACs

A QLAC in a Diversified Portfolio

A QLAC provides steady, reliable income that doesn’t depend on the stock market. We’ve laid out how a QLAC could fit into your portfolio.

QLACs

The Financial Value of a QLAC

A QLAC is not only financially valuable, but it offers something traditional investments cannot: peace of mind. We’ve laid out how to determine your financial return from a QLAC.

QLACs

Should You Buy a QLAC?

A QLAC offers you a guaranteed income stream to give you peace of mind during retirement. We’ve created this quick checklist so you can know if a longevity annuity is a good fit for you.

The Personal Pension

Monthly Retirement Paycheck for Life

The Personal Pension is a monthly retirement paycheck guaranteed by insurance companies. Every dollar you put in buys you steady monthly retirement income that you can't outlive.

QLACs

The Pros and Cons of a QLAC

QLACs have many financial benefits which make retirement planning simpler. But, it’s important that you know all they have to offer to determine if it’s right for you.

QLACs

What’s a QLAC?

A Qualified Longevity Annuity Contract (QLAC) is a pension-like product you can purchase with qualified savings that will provide you income for as long as you live. We’ve outlined the key components of QLACs and how they work here.

Longevity Annuities

Customizing Your Longevity Annuity

There are many features you can add to your longevity annuity so it properly fits your needs. We’ve broken down the options you can select to customize your longevity annuity.

Longevity Annuities

Diversify Your Portfolio with a Longevity Annuity

Longevity annuities are comparable in many ways to low-risk fixed income investments, which provide steady, reliable income that doesn’t depend on the stock markets. We’ve laid out how a longevity annuity fits well in a diversified portfolio.

Longevity Annuities

The Financial Value of a Longevity Annuity

Comparing the exact financial value of a longevity annuity to a traditional investment product is like comparing apples to oranges. But it’s important to make some assumptions and run the numbers.

Longevity Annuities

How Will My Longevity Annuity Be Taxed?

The kind of savings used to purchase your longevity annuity will determine the taxes owed on the income payments you receive. We’ve broken down how you may be taxed.

Longevity Annuities

These Features Can Affect Your Longevity Annuity Rates

Your personal attributes and the extra features you choose to customize your longevity annuity with will affect the income you can generate. We’ve broken down how each option will affect your rates.

Longevity Annuities

Should You Buy a Longevity Annuity?

A longevity annuity can provide you with peace of mind during retirement. While not right for everyone, find out if a longevity annuity fits your retirement needs.

Longevity Annuities

The Pros and Cons of a Longevity Annuity

Longevity annuities have several financial benefits to help make retirement planning simpler, but also have some drawbacks. Find out what a longevity annuity has to offer before you purchase.

Longevity Annuities

What’s a Longevity Annuity?

A longevity annuity is like a pension you can buy for yourself from an insurance company using your pre-tax or post-tax retirement savings, generating a guaranteed income that lasts as long as you do. It’s a great way to diversify your portfolio, and make sure that all, or most, of your basic retirement expenses will be covered for as long as you live.