Did you know that 40% of financial professionals plan to retire in the next 10 years? That means a lot of people face a real risk of outliving their advisor's career—or their advisor altogether.

In this episode, we discuss why this transition creates unique challenges for retirees. When your advisor retires or passes away, you may find yourself searching for someone new at the very time cognitive decline makes financial decisions harder.

We explore how life insurance and annuities can serve as a hedge against this risk. These products create stable, automated income streams that require far less ongoing management than traditional investment portfolios.

You'll learn why the simplicity of insurance products matters as you age. Whether it's a guaranteed annuity payment or an automatic withdrawal from a life insurance policy, these income sources keep working even if your advisor doesn't.

We also address a concern we hear frequently: what happens to a surviving spouse who never managed the investments? Many people come to us specifically because they want income their spouse can count on without learning portfolio management.

This isn't about putting all your money into insurance products. It's about thinking through how you'll automate parts of your retirement income so you're protected no matter what happens. ______________________________________

Have questions about building stable retirement income? Reach out to us—we'd be happy to discuss how insurance products might fit into your plan.