A free 13-part course that turns retirement savings into a guaranteed paycheck. MYGA ladders, SPIAs, Social Security optimization, real scenarios, and tools.
Free · No sign-up required · Written by a licensed producer
Most retirement advice focuses on growing a nest egg. This course is about something different: turning your savings into a guaranteed paycheck that arrives every month, no matter what the stock market does.
Retirement Income Engineering is a step-by-step framework for building a paycheck floor using multi-year guaranteed annuities (MYGAs), single premium immediate annuities (SPIAs), deferred income annuities (DIAs), and Social Security optimization. The five spine lessons walk through the core concepts in order, the five real-world scenarios show how the framework plays out for different retirement situations, and the tools let you run your own numbers.
The whole course is free, written by the My Annuity Store team, and contains no fluff. Start with Lesson 1 below.
Retirement income engineering is the discipline of converting a finite pool of savings into a stream of guaranteed monthly income that lasts the rest of your life — not a forecast, not a withdrawal rate, but actual contractually guaranteed checks. It treats retirement income the way an engineer treats a structure: you identify the load (your essential monthly expenses), subtract what is already supported (Social Security and any pension), and then design the rest of the foundation with the right mix of products.
The five lessons below walk through that engineering process step by step: how to build the ladder, how to choose between a MYGA ladder and a CD ladder, when to use a SPIA versus a DIA versus a MYGA on each rung, how to calculate the gap your annuity ladder needs to fill, and how to use a short MYGA to bridge to a higher Social Security check at age 70. Work them in order if you are starting from scratch — or jump straight to the lesson that matches the decision you are making this week.
Work through these in order to build a complete guaranteed income plan from the ground up.
See how the framework plays out for the most common retirement situations we plan for.
A complete income plan walkthrough.
A complete income plan walkthrough.
A complete income plan walkthrough.
A complete income plan walkthrough.
A complete income plan walkthrough.
Run your own numbers and see the core concepts in pictures, not paragraphs.
Live quotes across 90+ top annuity companies, with the income math worked out for the products in this course. No cost, no obligation.
