Free ACM Guide
Closing the Retirement Income Gap
One of the biggest concerns for people nearing retirement is whether their money will last a lifetime. According to LIMRA, 51% of pre-retirees are not confident they will have enough income throughout retirement. This free guide shows you exactly how ACM helps Tampa Bay families close that gap.
Download the Free Guide (PDF)
4-page guide · Susan's real story · LIMRA & BlackRock research · No email required
What's Inside the Guide
Understanding the Income Gap
Why Social Security and pensions rarely cover the cost of retirement — and how inflation widens the gap each year.
The Role of Annuities
How fixed index annuities with income riders deliver principal protection, market-linked growth, and guaranteed lifetime income.
The Case for Guaranteed Income
BlackRock research: combining guaranteed income with growth allocations can generate 29% more annual spending.
Susan's Real Story
How a retired Florida schoolteacher repositioned her 403(b) and now sleeps well at night with guaranteed monthly income.
The Research Behind the Strategy
88%
of annuity owners are confident about retirement security (LIMRA)
+29%
more annual spending when combining lifetime income with growth (BlackRock)
−33%
reduction in downside risk with guaranteed income (BlackRock)
Meet Susan — A Real Client Story
Susan, a retired Florida schoolteacher, had built a nice nest egg in her 403(b) — but every market dip caused anxiety. "What if I live to 95 and my money runs out at 85?" After a complimentary review with John Ziesing, Susan repositioned part of her savings into a Deferred Index Annuity with a Lifetime Income Rider.
Today, Susan receives monthly income she can count on — no matter what the market does. She calls it her "sleep-well-at-night money."
Ready to Close Your Income Gap?
Schedule your free 20-minute strategy session with John. We'll review your current plan and show you exactly how to bridge the gap.
Related Resources
Guide to Tactical Money Management
A modern solution combining tactical management with FIAs.
Lifetime Income Riders
How income riders guarantee a paycheck you can't outlive.
Fixed Index Annuities
0% floor, market-linked growth, principal protection.
Free Annuity Calculator
Estimate your guaranteed monthly retirement income.
Frequently Asked Questions
What is the retirement income gap?
The retirement income gap is the shortfall between your predictable income — Social Security and pensions — and what you actually need to live comfortably each month in retirement. Inflation, longer life expectancy, and the disappearance of employer pensions have widened this gap for most Americans.
How can I close my retirement income gap?
ACM closes the gap with a personalized income plan. We typically combine Social Security optimization, tactical money management, and a fixed index annuity with a lifetime income rider — turning a portion of your savings into a guaranteed paycheck for life.
Why use a fixed index annuity for income gap planning?
Fixed index annuities (FIAs) protect your principal with a 0% floor, lock in market-linked gains each year, and can include an income rider that guarantees income for life. LIMRA reports 88% of annuity owners are confident about their retirement security.
Is this guide really free?
Yes. The Closing the Retirement Income Gap guide is 100% free and includes Susan's real client story, BlackRock and LIMRA research, and the income strategy framework John Ziesing uses with Tampa Bay clients.