Longevity Financial · DeBary, FLRetirement income that lasts as long as you do.
We help you see where your retirement income will come from, find any gaps, and explore options for income you cannot outlive. Clear numbers, plain English, no pressure.
- No cost, no obligationThe first conversation is free
- Phone, video, or in personMeet the way that suits you
- Local to DeBaryServing Central Florida
- Plain-English answersNo jargon, no rush
- IndependentWe compare options from multiple companies
The Longevity Question
Will your money last as long as you do?
People are living longer, and many retirements now last 25 to 30 years or more. Longevity risk is the chance of outliving your savings. Rising healthcare costs, inflation, and the loss of a spouse’s income can all add pressure.
Our job is to help you see the full picture of your retirement income, identify gaps, and talk through options that can provide income you cannot outlive.
Who we help
- Pre retirees planning the move from paycheck to retirement income
- Retirees who want predictable monthly income
- Anyone facing pension or Social Security claiming decisions
- Savers who want to protect part of their nest egg from market losses
- Families who want to protect a surviving spouse
Our philosophy
Planning first. Product last.
Your numbers first
We start with the monthly income you want and what you already have coming in.
Find the gap
We show, in writing, whether your guaranteed income covers your needs and where it falls short.
Options only if they fit
If a solution makes sense, we compare options from multiple companies, with costs and limitations side by side.
The 3-Legged Retirement Plan
Most retirement income stands on three legs. We start with the monthly income you want, then look at how each leg contributes.
PensionGuaranteed income sources
- Employer pension payout choices
- Lump sum versus monthly income decisions
- What happens for a surviving spouse
Social SecurityClaiming strategy
- Benefit at age 62, full retirement age, and 70
- Spousal and survivor benefits
- How claiming age changes lifetime income
Savings & ProtectionYour personal leg
- Personal and workplace savings
- Guaranteed lifetime income options
- Life protection and long term care planning
Income Gap Worksheet
Is there a gap in your monthly income?
Enter the monthly income you would like in retirement and the steady monthly income you expect. The worksheet simply subtracts one from the other. It does not assume any rates of return and does not project any product.
Not sure of your numbers? Your Social Security estimate is on your statement at ssa.gov, and your pension plan can give you a benefit estimate.
Retirement Income Self-Check
How strong is your retirement income plan?
Five quick questions. Answer honestly; there are no wrong answers and nothing is sent anywhere.
How We Can Help
Retirement Income Planning
A clear, month by month picture of your income and expenses in retirement.
Learn morePension Choices
Understand pension payout options and what they mean for you and your family.
Learn moreSocial Security Timing
See how claiming at 62, full retirement age, or 70 changes your income.
Learn moreCommon Retirement Income Mistakes
These are the decisions we see cause the most trouble, and most of them are hard to undo.
Claiming Social Security too early
Claiming at 62 can permanently lower your monthly check, and your spouse’s survivor benefit, for life.
No guaranteed income floor
Relying only on savings withdrawals leaves essential bills exposed to market drops and a longer than expected life.
Underestimating healthcare costs
Premiums, out of pocket costs, and long term care can take a growing share of retirement income.
Forgetting the surviving spouse
When one spouse passes, a Social Security check stops and some pensions shrink or end, but most bills do not.
Rushing pension payout choices
Single life, joint and survivor, or lump sum: the choice is usually permanent, so it pays to compare first.
Ignoring inflation
Over 25 or 30 years, rising prices can quietly shrink what a fixed monthly income will buy.
Common Questions
Is the first conversation really free?
Yes. The first conversation has no cost and no obligation. It is a chance to talk through your goals and questions and see whether working together makes sense.
Will I be pressured to buy something?
No. Planning comes first. Many people simply leave with a clearer picture of their retirement income. If an option might fit, we explain it side by side with its costs and limitations, and you decide at your own pace.
Who backs the guarantees on lifetime income options?
Guarantees on annuities and lifetime income riders are backed by the financial strength and claims paying ability of the issuing company. They are not backed by the FDIC or any government agency, which is why we look at the strength of each company we compare.
Can we meet by video or phone?
Yes. You can meet at our DeBary office, by phone, or by video. Video works well for couples in different places or anyone who prefers to meet from home.
What areas do you serve?
We meet in person with families across Central Florida, including DeBary, Deltona, Orange City, DeLand, Sanford, Lake Mary, and Orlando, and by phone or video anywhere in Florida.
Do I need a pension to work with you?
No. We help people with all kinds of retirement income: Social Security, workplace savings, personal savings, and pensions from any employer.
What should I bring?
A rough monthly budget, your Social Security statement from ssa.gov, any pension estimate, and recent savings statements. See How It Works for the full list.
Areas we serve
Meetings at our DeBary office for Central Florida, and by phone or video anywhere in Florida.
301 N Pine Meadow Dr
DeBary, FL 32713
DeBary Executive Center
850-766-6734
Mon–Fri 9–5 · Evenings by appointment
Let’s talk about your retirement income.
No pressure and no cost for the first conversation. Bring your questions.