Retirement Income Planning

Your retirement savings should provide steady, reliable income for the years ahead. At Capstone Insurance and Financial Group, we help you turn your assets into a clear, lasting income strategy.

Retirement income should feel stable—not uncertain.

Many retirees worry about outliving their money or not knowing where their income will come from. We help you build a plan that balances guaranteed income, investment growth, and flexibility.


We look at your full financial picture—Social Security, pensions, IRAs, 401(k)s, annuities, and more—to design a strategy that fits your lifestyle and keeps you covered in every season of retirement.

Build a Plan That Supports Your Lifestyle

We help you identify what income you’ll need in retirement and how to generate it from your current savings and benefits.


Protect Yourself From Running Out Too Soon

With smart withdrawals, guaranteed income tools, and ongoing reviews, we help you make your money last.




Adjust Your Plan As Life Changes

Retirement isn’t a fixed number. We revisit your plan regularly to adapt to your spending, goals, or health needs.




Frequently Asked Questions

  • How much income will I need in retirement?

     It depends on your lifestyle and goals. We help you project your expenses and create a personalized plan.

  • What are some reliable sources of retirement income?

     Common sources include Social Security, pensions, annuities, and investment withdrawals. We help you balance them.

  • Should I withdraw from my IRA or 401(k) first?

    It depends on your tax situation and age. We guide you on the best order to help your savings last longer.

  • What if I retire early or later than expected?

     We build flexibility into your plan so you’re prepared no matter when you retire.

  • Can I adjust my income plan if my needs change?

    Yes. We offer regular reviews and updates to keep your plan aligned with your life.

Make the Most of What You’ve Saved

We’ll help you turn your retirement savings into steady, reliable income.

With a custom plan, you can feel confident that your money will be there when you need it most.