THE RETIREMENT DILEMMA
Will Your Retirement Income Last Longer Than You Do?
We design retirement plans that safeguard your principal and deliver a guaranteed, pension-like paycheck — every month, for as long as you live contractually guaranteed.
No obligation · 30-minute call · Independent Fiduciary Agent
Guaranteed monthly income
$6,240/mo guaranteed for life
Sample plan · Age 67 · $850k rollover
YOUR RETIREMENT SPECIALIST: JARED SILVEIRA
Independent. Fiduciary. On your side of the table.
Every Independent agent here at Invictus acts in their client's best interest. Working exclusively with pre-retirees and retirees, we cover all financial needs and goals so that you can thrive and not just survive during your retirement years. Unlike many companies where interactions are transactional and superficial, our goal is to give you an unbiased strategy and help simplify your decision. We strive to create long-lasting relationships with our clients.
- Partnered carriers AUM
- $70B aum
- Average client tenure
- 15 yrs
- Fiduciary standard
- Always
- Principle protection
- 100%
Our approach
A retirement built on certainty, not hope.
We build plans around four pillars — each designed to remove a specific risk that keeps retirees awake at night. We offer contractual guarantees, not market based returns that are always changing.
Principal Protection
Structured strategies that eliminate market loss on the portion of your savings you cannot afford to lose. Sleep-at-night money stays that way.
Guaranteed Lifetime Income
A pension-like paycheck deposited every month for as long as you and your spouse live — regardless of what markets do.
Tax-Efficient Withdrawals
A written distribution plan that coordinates Social Security, IRAs, Roth conversions, and RMDs to keep more of your money.
Legacy & Long-Term Care
Ensure what's left passes efficiently to family probate free, and that a health event doesn't consume everything you've built.
THOSE APROACHING RETIREMENT
Retire with confidence-not constant financial worry.
Retirement requires a different playbook. The traditional 4% rule is not enough in today's world, let us help bridge the gap securing your future with guarantees.
01
Outliving your savings
The average retirement now lasts 25–30 years. A single bad decade in the market can end it early.
02
Taxes eating your nest egg
Most retirees have never seen a tax plan for their retirement accounts. RMDs and Roth conversions matter.
03
No paycheck, no plan
Social Security replaces roughly 40% of pre-retirement income. The other 60% has to come from somewhere reliable. Let us help bridge the gap.
04
Volatility at the worst time
A 30% market drop in your first five years of retirement is the single biggest threat to your lifestyle.
Income illustration
See your guaranteed paycheck.
Estimate lifetime income using a 7.2% compounding roll-up during deferral and a 6–9% payout rate based on the age you turn on income. Hypothetical — actual contract rates vary by carrier.
Best suited for pre-retirees and retirees ages 50–80.
Projected growth & income
Roll-up 7.2% • Payout 7.05%Hypothetical illustration for education only. Guarantees are backed by the claims-paying ability of the issuing carrier. Actual roll-up and payout rates vary by product, age, and state. Not a solicitation or offer.
TESTIMONIALS
Retirees who sleep better at night.
We came in worried about the markets. After retiring from the county, I wanted to protect my retirement accounts from losses but still earn interest, Invictus help give us the peace of mind knowing we have guarantees.
Diana D.
Retired, 63
I had an old TSP account and wasn't sure what options were available to me. I did not know I can have pension like income to add to my SS payments.
Bob S.
Retired, 62
After retiring I wanted to make sure my wife would be taken care of if anything happened to my health. Invictus helped address my concerns, plans that move probate-free, and my wife would benefit from a guaranteed income stream.
Wade F.
Retired , 67
Common questions
Answers to the questions retirees ask us most.
We typically work with families who have $250,000 or more in retirement assets. That said, the discovery call is free — if we aren't the right fit, we'll point you to someone who is.
Next step
Bring your retirement into focus.
Schedule a complimentary 30-minute Retirement discovery call. You'll leave with a clearer picture of your income, your risks, and your options — whether or not we ever work together.
- A written summary of your income sources
- A financial needs assessment of your current plan
- A holistic approach illustrations tailored for you.