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In one popular approach, your deposit is shown as being allocated to six segments," that will hold investment assets ranging from very conservative to aggressive.

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Segment One, the most conservative,  receives the largest portion of your deposit- 28%.  

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"Click" Ted to hear him explain how assets are allocated to the various Segments.
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How the Model seeks to mitigate risks which can reduce or eliminate one's ability to create income from savings.

Investment strategies may be subject to various types of risks including, but not limited to, market risk, credit risk, and inflation risk.

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What about inflation?

After a long period of low inflation, rising prices are once again a reality of daily life. The Income for Life Model seeks to keep retirement income on pace with inflation.
To maintain purchasing power if inflation averages 3% for 20-years...
$100,000 
 
$181,510
Must Grow to

The guarantees associated with annuities are subject to the financial strength of the issuing insurer and the specific terms and restrictions of the applicable policy or contract. The insurance features do not guarantee that the investment will not fluctuate in value.

Advisory services are provided through Creative Financial Designs, Inc., a Registered Investment Advisor, and Securities are offered through CFD Investments Inc., a Registered Broker/Dealer. Member FINRA & SIPC. 2704 South Goyer Rd., Kokomo, IN 46902 (765)453-9600. Richard D'Ambola & Associates LLC is independent of CFD companies.

(C)Copyright 2005-2023 Wealth2k, Inc. All rights reserved. The Income for Life Model is a registered trademark of Wealth2k, Inc.

Rich Smith is not affiliated with Wealth2k, Inc. 

WEALTH2K, INC. DOES NOT PROVIDE INVESTMENT ADVICE.
The projections or other information generated by The Income for Life Model calculator related to total returns are hypothetical illustrations of mathematical principles that do not predict or project the performance of an investment or investment strategy. The computations of future returns are based upon assumed variables and inputs made directly by the user and does not guarantee future results. Moreover, the computations do not reflect investment costs or taxes, if any.

The Income for Life Model, Hybrid Time-Segmentation and ROI Reliability of Income are registered trademarks of Wealth2k, Inc. Three Big Risks, Constrained Investor, What's My Income, What's Your Income? and Income Floor are trademarks of Wealth2k, Inc. Knowing Your Number is Not the Same as Knowing Your Income is a service mark of Wealth2k, Inc.

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Investing involves risk and you may incur a profit or a loss. There is no guarantee this model will perform as planned. If the model underperforms, the income levels and assets could be significantly reduced.

Purchase of an annuity contract through a qualified plan does not provide any additional tax-deferral benefits beyond those already provided through the plan. If you are purchasing an annuity contract through a plan, you should consider purchasing it for its death benefit, annuity options, and other non-tax-related benefits

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