The 5 Retirement Income Decisions That Determine Whether Your Money Outlives You

FREE 45-MINUTE WORKSHOP FOR COLORADO PRE-RETIREES — from Ray Stein, co-author of Smiling Through Retirement. The plain-English version of the workshop thousands of Colorado retirees have attended in person.

You’ll learn: why “how much you have” matters less than how much guaranteed income you have — and how to calculate your own income gap in one line · the Social Security timing math most people get wrong · sequence-of-returns risk: why the same average return can fund one retirement and sink another · where guaranteed insurance products fit — and just as important, where they don’t · the RMD and withdrawal-order basics to raise with your tax professional.

Register to watch now

Presented by Ray Stein, licensed insurance producer, CO license #[NUMBER], New Light Services LLC. This is an educational workshop; insurance products, including fixed annuities, may be discussed and offered. Not individualized advice. An agent may contact registrants.