How it works
A deliberate process, at your pace.
Four steps, spread over weeks rather than a single appointment. Nothing is recommended until the analysis is done, and nothing is signed until you have read it.
- 01
Complimentary Income Review
Roughly an hour, in person or by video. Nothing is proposed and nothing is sold.
- A full inventory of retirement accounts, pensions, and taxable assets
- Your intended retirement date and realistic spending needs
- Social Security timing and any employer plan elections still open to you
- What you would want to happen if markets fell 30% the year you stopped working
- 02
Personalized Income Analysis
I model what your assets can reliably produce, year by year, under favorable and unfavorable sequences.
- Where your essential expenses are currently funded from, and how exposed that source is
- The effect of an early downturn on your specific withdrawal schedule
- Tax treatment across qualified, Roth, and taxable accounts
- The gap, if any, between guaranteed income and non-negotiable expenses
- 03
Custom Strategy
A written plan you can read, question, and take away with you.
- Exactly which portion of savings is used to establish guaranteed income, and why that amount
- What remains invested for growth, liquidity, and legacy
- Access provisions, beneficiary treatment, and every cost stated plainly
- Alternatives considered — including doing nothing — and the reasoning behind the recommendation
- 04
Ongoing Support
Retirement lasts decades. Circumstances change; the plan should be reviewed when they do.
- Annual review of income, spending, and beneficiary designations
- Adjustments as tax law, health, or family circumstances shift
- A direct line to me — not a call center
Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Income For Life and Marco Velasco are not affiliated with the U.S. government or any government agency. [PLACEHOLDER — review wording against current state and federal insurance marketing regulations before launch.]
Next step
A conversation about what your retirement income can be counted on to do.
No obligation. No pressure. Just clarity about where your income stands and what would need to change for it to last as long as you do.