Retirement Planning

Planning for Retirement with Income and Assets

Early in our careers, we think about retirement in terms of assets, but as we get closer to actually retiring, it’s important to shift and focus on income. Why? Assets run out. Lifetime income doesn’t.

Top Articles

View All Articles

Longevity

Good Annuities

A classic, good annuity is one that provides guaranteed income for as long as you live. It’s a way to diversify your portfolio, and make sure that your basic retirement expenses will be covered. But beware of bad annuities that promise too much and don't deliver good value.

Retirement Planning

How Your Spending Changes in Retirement

Household spending generally drops at retirement and then continues to decline throughout retirement. Here’s how people’s spending changes the most.

Recent Articles

View All Articles

Inside Blueprint Income

FinTech Minute: Blueprint Income

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

Inside Blueprint Income

So, What’s The Secret?

Traditionally we're told to save for retirement, but no one tells us 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

For Us, It’s 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, working to heal the broken retirement system is more than just important, it's personal.

Inside Blueprint Income

Think Content Marketing is Broken? Let’s Talk

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

Inside Blueprint Income

FinTech Founder Q&A: Blueprint Income

The CEO of Blueprint Income, Matt Carey, sat down to speak about his business and what he's calling the "pension plan of the future."

Inside Blueprint Income

Blueprint Income Joins CFSI’s FinLab Class

Blueprint Income is excited to announce our participation in CFSI's third class of the Financial Solutions Lab (Fin Lab). Here's how FinLab is helping us achieve our goals.

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.

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.

Immediate Annuities

Customizing Your Immediate Annuity

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

Immediate Annuities

How Will My Immediate Annuity Be Taxed?

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

Immediate Annuities

The Financial Value of an Immediate Annuity

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

Immediate Annuities

Should You Buy an Immediate Annuity?

An immediate annuity can provide you with peace of mind during retirement. While not right for everyone, find out if an immediate annuity fits your retirement needs.

Immediate Annuities

The Pros and Cons of an Immediate Annuity

Immediate annuities have many financial benefits that help make retirement planning simpler, but also some drawbacks. Find out what an immediate annuity has to offer before you purchase.

Immediate Annuities

What’s an Immediate Annuity?

The immediate annuity (sometimes also referred to as a Single Premium Immediate Annuity or SPIA) is a pension-like product you can buy for yourself from an insurance company using your retirement savings. An immediate annuity generates a guaranteed income stream that lasts as long as you do with income starting no more than a year from your purchase. It’s a 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.

Bad Annuities

How a Fixed Indexed Annuity Really Works

Fixed indexed annuities are complicated products that don’t do everything they promise. Here’s what a fixed indexed annuity looks like in real life.

Bad Annuities

What’s a Fixed Indexed Annuity?

A fixed indexed annuity sounds like the best of both worlds — an income which doesn’t stop and the ability for that money to grow, as it would in the market. But, the insurance companies and brokers sell them for very high fees with lots of caveats.

Social Security

The Future of Social Security

While Social Security has evolved since its inception, projections of its available funding has created concerns of its future viability. Here’s what you need to know.

Social Security

Origins of Social Security

The want for economic security is no new trend. We’ve laid out the evolution of Social Security and how it’s developed into the program it is today.

Social Security

4 Ways to Supplement Social Security

For most Americans, Social Security only accounts for a portion of their retirement income. Here’s how you can fill this gap to ensure you have enough income during your golden years.

Social Security

Recent Revisions to Social Security Benefits

Recent changes to the Social Security Act affect how married couples can claim for spousal benefits. Find out if these amendments change your claiming strategy.

Social Security

How Social Security Is Protected from Inflation

Social Security is impacted by the Cost of Living Adjustment (COLA) which accounts for inflation changes. Because of concern of how adequate this adjustment is, there are possible alternatives for Social Security reflecting inflation increases.

Social Security

Smart Strategies for When to Claim Social Security

While you can claim your Social Security benefits at different times, there isn’t a single age that is right for everyone. It’s important to consider these facts when deciding which age is right for you.

Social Security

Qualifying for Social Security Benefits

With Social Security playing an increasingly important role in retirement planning, it’s important to fully understand what you need to do during your working years to qualify for Social Security benefits.

Social Security

The Good and Bad of Social Security

You know that Social Security plays a significant role in retirement, but what are the overlooked pros and cons of it? We’ve laid them out here.

Social Security

Social Security 101

For over eighty years, Social Security has provided Americans with a stream of guaranteed income that gives certainty in retirement. But few people actually understand how the program works. Here’s what you need to know.

Retirement Planning

5 Challenges Women Face in Retirement

Women tend to live longer and therefore need to prepare more for retirement. And, with most couples, women aren’t very involved in retirement planning.

Retirement Planning

Staying on Track for Retirement in Your 60s

With retirement approaching, reviewing your goals will ensure that you are on track for retirement. Here’s a quick checklist of the what you should be doing to prepare during your 60s.

Retirement Planning

Staying on Track for Retirement in Your 50s

As you get closer to retirement and continue working towards your saving goals, it’s important to incorporate a plan for your retirement spending. Here’s how you can start thinking about it.