Retirement Planning Built for How You Actually Want to Live

  • Income strategies, Social Security timing, and coordination across your accounts--so retirment ins't a guessing game.

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Who This Is For

  • Pre retirees

    in the 5-10 years before retirement who want a clearer income picture3

  • High-Net worth Individuals

    looking to coordinate retirement accounts with estate and tax planning

  • Business Owners & Entrepreneurs

    without an employer-sponsored plan who need to build their own strategy

  • Anyone approaching Social Security decisions

    and unsure when to claim

  • Self employed & Independent Professionals

    barbers, stylist, nail techs, real estate agents, notaries, truckers, consultants, creatives, gig workers, etc., who may not have access to employer sponsored retirement accounts

Not sure if life insurance makes sense for you?

If someone would experience financial loss or hardship because you weren’t here- or you want to leave something behind-it’s worth exploring your options.

How It Works

Retirement planning isn't just "how much have I saved" — it's "how does this actually turn into income I can rely on."

We look at the full picture: your existing retirement accounts, Social Security timing, any pension income, and how insurance-based tools like annuities might fit alongside your other assets to create predictable income. The goal is a strategy that accounts for market risk, healthcare costs, and longevity — not just a savings number pulled from a generic calculator.

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Common Questions

When should I claim Social Security benefits?

It depends on your health, other income sources, and financial goals — claiming early reduces your monthly benefit permanently, while waiting increases it. We'll walk through the tradeoffs specific to your situation.

An annuity is an insurance-based product that can provide guaranteed income for a set period or for life. It's not right for everyone, but for some retirees it fills the gap between savings and predictable monthly income. We'll help you understand if it fits your plan — not push it as a default answer.

How much do I actually need to retire?

It depends heavily on your expected expenses, healthcare costs, and desired lifestyle — there's no single "magic number" that applies to everyone, despite what you may have read.

I already have a 401(k)/IRA-why do I need a planning conversation?

Having accounts isn't the same as having a plan for turning them into income. We help coordinate what you already have, not replace it.

Can I get covered if I have a health condition?

Often, yes. Rates vary by carrier and condition, and we work with multiple carriers specifically so we can find options even when one carrier says no.

What happens when my term life insurance policy ends?

It either expires, it renews at a drastically higher premium, or you can possibly convert it into a permanent policy.

Let's Build Your Income Picture

A conversation costs nothing and often clears up more than a dozen articles could.

Book A Consultation

Live Soulfully Wealth and Wellness Collective offers insurance-based retirement products, including annuities, through multiple carriers. This page does not constitute investment, tax, or legal advice. Individual results and product availability vary by carrier, state, and eligibility. Consult a licensed tax or legal professional regarding your specific situation.