“What happens to my income if the market crashes after I retire?”
As retirement advisors, we know retirement isn’t just about how much money you’ve saved—it’s about how confidently you can spend it. One of the most common concerns we hear from clients is: “What happens to my income if the market crashes after I retire?”
That’s where a hybrid pension comes in. Hybrid pension strategies are specifically designed to protect your principal, provide guaranteed lifetime income, and help you avoid running out of money, without giving up control of your assets.
What Is a Hybrid Pension?
Think of a hybrid pension as a bridge between two worlds:
- Like a traditional pension, it provides income for life, guaranteed in writing, recession-proof, and not tied to stock market performance.
- Like a 401(k), it gives you ownership of your money, access to the remaining cash value, and the ability to pass what’s left to your heirs.
With a hybrid pension, you can enjoy peace of mind knowing that no matter what the market does, you’ll always have income coming in, and your legacy is protected.
Why This Matters—Especially Now
Even if you’ve saved $500,000 or $1 million in a 401(k), your income isn’t guaranteed. Suppose markets decline while you’re withdrawing money (especially early in retirement). In that case, you may be forced to sell investments at a loss, possibly derailing your entire plan.
A hybrid pension provides stability when you need it most:
- Income you can’t outlive, even if your original investment is depleted
- Protection against sequence-of-return risk—those early-year losses that can do long-term damage
- Liquidity and flexibility to access your funds or leave a legacy
Addressing Common Concerns
You might’ve heard voices in the media—Dave Ramsey, Suze Orman, or others—say annuities are “bad.” But it’s important to understand that not all annuities are the same. What we’re talking about is a modern, hybrid approach that eliminates many of the downsides of traditional pensions or older annuity contracts.
We only recommend solutions that:
- Have low or no fees
- Offer full transparency
- Are backed by top-rated insurance companies
- Avoid caps or gimmicks that limit your upside
And we never charge a consultation fee—we’re paid by the insurance company, just like with any other insurance product.
A Balanced Retirement Plan Needs Offense and Defense
You wouldn’t build a football team with only a quarterback and no defense. Retirement is no different.
- Your financial advisor (or your investments) plays offense, focused on growth.
- We help you play defense—locking in the income you need to keep your lifestyle, no matter what the market does.
Having both means you’re prepared for whatever comes your way—growth when the market performs, protection when it doesn’t.
Let’s See If It’s the Right Fit
We don’t believe everyone needs a hybrid pension, but many people benefit from having one as a foundational piece of their income strategy. If you’re close to retirement or already there, let’s sit down and:
- Review your current income plan
- Identify gaps or risks
- Explore options for guaranteed lifetime income without giving up control
There’s no pressure—just honest conversations, clear answers, and written strategies you can count on.
Want to recession-proof your retirement income while keeping access to your money? Let’s talk. We’re here to help you retire with confidence—and sleep well knowing you’ve protected both your income and your lifestyle.
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