Guaranteed income in retirement
Lifetime Income
Pensions are rare. Social Security is not enough. Annuities can fill the gap with income you cannot outlive, no matter what the market does.
A Paycheck You Cannot Outlive
Running out of money is the number one fear in retirement, and the data backs it up. Half of 65-year-old couples will have one spouse live past 90. Pensions are rare. Social Security alone is rarely enough. A lifetime income strategy turns a portion of your savings into a guaranteed monthly paycheck that arrives no matter what the market does or how long you live.
A lifetime income strategy does not replace your portfolio. It creates a floor beneath it so your essential expenses are always covered.
How We Build the Floor
We are independent. We are not tied to one insurance company. That means we compare annuity products from multiple carriers and recommend only what fits your plan. The work usually includes the following.
- Income gap analysis, calculating exactly how much guaranteed monthly income you need
- Multi-carrier shopping, comparing rates and contract terms across the strongest insurers
- Product fit, choosing among immediate, deferred, fixed, or fixed-indexed structures based on your timeline
- Tax positioning, using qualified or non-qualified funding to control taxation in retirement
- Spousal continuation, structuring the contract so income continues for the surviving spouse
Why It Matters
When essential expenses are covered by guaranteed income, market volatility stops mattering as much. You stop selling investments at the wrong time to cover bills. The rest of your portfolio gets to do its job: grow over decades for legacy, travel, and the unexpected.
A lifetime income strategy does not replace your portfolio. It creates a floor beneath it so your essential expenses are always covered.
Guaranteed Income Solves These Problems
If any of these describe your situation, a lifetime income strategy may be the answer.
- No Pension, No Safety Net. Without an employer pension, there is nothing between your savings and your expenses. An annuity creates that floor.
- Living Longer Than Expected. Half of 65-year-old couples will have one spouse live past 90. A lifetime paycheck removes the guesswork.
- Market Anxiety in Retirement. Drawing from a fluctuating portfolio every month creates stress. Guaranteed income removes that variable.
- Income Planning for Two. When one spouse passes, household income drops but expenses do not. Coordinated income planning protects the survivor.
Meet Your Advisors
Decades of Credentialed, Fiduciary Experience
The wealth and retirement work happens with the people below. Each one carries the licensing, registrations, and continuing education behind every recommendation we make.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileLenny Trujillo
Senior Planning Consultant | CLDP | Licensed Insurance Agent
Certified Legal Document Preparer (CLDP) · Licensed Insurance Agent
For more than 25 years, Lenny has helped Arizona families sit down at the kitchen table and finally make sense of retirement, trusts, and what happens to everything they've worked for. A Certified Legal Document Preparer and licensed life and health insurance agent, he walks clients through revocable living trusts, special needs planning, powers of attorney, and insurance-based asset protection in plain English. Clients consistently describe him as patient, warm, and genuinely interested in their story, the kind of advisor who'll pause the paperwork to hear about the grandkids before getting back to the signatures.
View ProfileRalph Abate
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Drawing on more than 30 years in insurance and retirement-income planning, Ralph structures tax-efficient wealth-transfer and protection solutions for RJP clients. His analytical approach and coaching style help households understand complex options and make informed decisions.
View Profile
Client Testimonials
Common Lifetime Income Questions
Answers to the questions Arizona families ask most about lifetime income.