Get a Second Opinion On Your Retirement Plan

“When it comes to retirement—one of the most important financial stages of your life—are you willing to risk not getting a second opinion?”

Certified Annuity Advisor^SM Dolph Janis focuses on the ‘guaranteed side’ of retirement, meaning contractual guarantees provided by insurance companies based on their financial strength and claims-paying ability. As Dolph puts it, “Many of my clients have me as a second advisor. I provide the protection part of the portfolio that provides safeguards against market risk.”

While other types of advisors keep assets at risk in the stock market in the hope of making greater gains, Clear Income Strategies Group focuses on creating a solid retirement strategy that encompasses your retirement income, potential tax liabilities, Social Security and Medicare, and all the other things you may face, like the need for long-term care someday.

Retirement Confidence Is Lower

While retirement confidence is not completely collapsing, it’s clearly getting more complicated. Recently, a big study by the Employee Benefit Research Institute showed that retirement confidence has declined. Workers’ confidence in having enough money to live comfortably in retirement fell 6 percentage points from 2025 to 61% in 2026, while retirees’ confidence fell 5 percentage points to 73%.

We believe that you should go into retirement with the confidence that you won’t run out of money someday. That’s why we work on the portion of your retirement strategy designed around predictable income, and we offer products for retirement income that provide contractual guarantees from insurance companies.

Refinancing Retirement

When it comes to annuities you already own, be sure to contact us to see if there are retirement income annuity products with potentially different rates or benefits than those you currently have. Remember, interest rates are higher now, so annuities purchased even as few as six years ago should be researched and compared with today’s policies.