During our working years - growth of our account balance is our first priority.  

In retirement, the preservation of our money - and the income we can reliably draw from it replace growth as our primary goals.   

Doing so means converting at-risk investments to contractually guaranteed alternatives.  

We call it moving from 'statement' wealth to 'contractual' wealth - and it's a key factor in an optimized retirement.  

Those wanting to live in confident abundace must transition their thinking - and their portfolios - to contractually guaranteed wealth.