Turning 65 is not just a Medicare decision.
It is a financial turning point.
Social Security timing, Medicare enrollment, IRMAA exposure, healthcare costs, market volatility, and sustainable income withdrawals all intersect at this stage of life. Treating them separately can create costly gaps.
At SRS Insurance Group, we operate as Retirement Income & Medicare Strategists — aligning guaranteed income planning with healthcare decisions to create a structured, durable retirement plan.
Once retirement begins:
• Portfolio withdrawals become permanent
• Market downturns can damage long-term sustainability
• Income levels affect Medicare premiums (IRMAA)
• Healthcare costs become predictable — and unavoidable
This is where strategy matters.
A properly structured fixed or fixed index annuity can create protected income that works alongside Social Security — helping cover essential expenses while reducing reliance on volatile assets.
Fixed annuities provide:
• Contractual principal protection
• Guaranteed interest crediting
• Tax-deferred growth
• The option for guaranteed lifetime income
They serve as a stabilizing anchor — ensuring core living expenses remain funded regardless of market conditions.
This foundation allows the remainder of your portfolio to remain strategically invested without being forced into withdrawals during downturns.
A Fixed Index Annuity (FIA) is designed for disciplined retirement income planning.
• Participate in market-linked growth
• Avoid direct market loss exposure
• Lock in gains annually through reset features
By eliminating downside risk tied to market declines, FIAs help address sequence-of-returns risk — one of the greatest threats to early retirement portfolios.
When structured properly, certain FIA strategies can generate guaranteed lifetime income — effectively functioning as a private pension.
Income planning does not exist in isolation.
Higher income can trigger increased Medicare Part B and Part D premiums through IRMAA. Poor withdrawal sequencing can unintentionally increase tax exposure. Market-driven withdrawals can destabilize long-term plans.
As Retirement Income & Medicare Strategists, we evaluate:
• Social Security claiming strategy
• Medicare enrollment and projected premium exposure
• Income sustainability
• Tax diversification
• Portfolio risk management
Only then do we determine whether a fixed or fixed index annuity plays a strategic role.
Annuities are not “products” in our process.
They are tools — used deliberately within a broader retirement income architecture.
If you are approaching Medicare eligibility, reviewing Social Security timing, or seeking to create more predictable income in retirement, we invite you to schedule a confidential strategy consultation.
Retirement should not be improvised.
It should be engineered.
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