Retirement income planning
Guarantee your Retirement Accounts and Income for Life.
For 35 years, Ray Brown has helped people close to retirement protect what they've saved and turn it into income that's insured, guaranteed, and never goes down. When the market climbs, your gains lock in. When the stock market falls, your account remains level in dollar value.
- Free and no obligation
- 30 minutes, by phone or in person
The approach
A bad market shouldn't cost you your retirement.
Ray splits your savings into two buckets. One part is guaranteed and insured, so your income is safe no matter what the market does. The other part stays invested and has growth potential. Here's how they work together.
The Guaranteed Bucket
- Insured by an insurance company.
- Your principal is never at risk.
- Each year the bucket stays the same or goes up.
- Once it goes up, it's locked in at the higher level.
The Market Bucket
- Stays invested for growth.
- In good years, it can earn more.
- In down years, you draw income from the guaranteed bucket instead.
- So you're never forced to sell at the wrong time.
“In a good year our clients might earn 9, 10, or 11 percent instead of 20. But they never go down. That trade-off is what lets you stop worrying.”
Ray Brown, CLU · ChFC
The process
The free Retirement Income Review
Start with one short conversation. You leave knowing exactly where you stand.
- 1
Discussion
A 15–30 minute conversation, by phone or in person. You tell us where you are and what retirement should look like.
- 2
See where you stand personally
We look at your income sources, savings, and risk together, and show you what your plan does in a down market.
- 3
Implement your personalized retirement plan
You leave with clarity and direction: what's working, what's exposed, and exactly what a guaranteed-income plan would look like for you.
No charge for your free review.
Who this is for
Built for the six most important years of your financial life.
Ray works primarily with people from two years before retirement through the first four years after. That's the window when a down market does the most damage, and when the right plan does the most good. If that's you, or your parents, this review was made for you.
The podcast
The show
Straight answers about retirement income, every week. New episodes on YouTube and everywhere you listen to podcasts.
Ray's Mailbox
Have a retirement question? Send it in to Ray Brown's Wealth Strategies.
How it works
No annual fees. Ever.
Most advisors take 1 to 1.5 percent of your account every single year, whether it grows or not. Ray gets paid once, when money moves: a commission by the institution. No fees ever come out of your account.
Book your free reviewGet in touch
Find out where you stand.
Call, email, or fill out the form below, whichever you prefer. We respond quickly during business hours, and first thing the next morning after hours.
Reach us directly
Office: 5793 Widewaters Pkwy, Ste #105, Dewitt, NY 13214
Or request your review
We'll follow up within one business day.