Rental income, or a lifetime annuity? A rental property is a fine asset. It just is not the right one for everyone. Learn more Retirement Planning · Annuity · Long-Term Care
Plan your retirement
with an expert you trust
Monica Kim, a retirement insurance specialist with 17 years of experience, helps you find the right choice for your situation, from 401(k) and IRA rollovers to retirement income and long-term care, in plain Korean or English.
17+ yrs
advising on retirement
CLTC®
Long-Term Care certified
Where to start
Start with the topic that matters to you
Each card opens that chapter of the digital guide. Read only what you need, and request a consultation right from the last page.
401(k) & IRA Rollover
Not just moving money. This is where your withdrawal strategy begins. Consolidate scattered accounts and redesign how they work.
Open the guide →MYGA · Fixed-Rate Annuity
A higher fixed rate than a bank CD, with your principal intact and tax deferred until you withdraw. The upgraded CD.
Open the guide →
Lifetime Income
Your own paycheck, arriving every month regardless of the market, however long you live.
Open the guide →
FIA · Indexed Annuity
Principal protected when markets fall, index-linked interest when they rise. Room to grow without the losses.
Open the guide →
Long-Term Care
Care coverage without a lump sum, designed the modern way, so nothing is lost if you never claim.
Open the guide →
Life Insurance
Protection for your family, plus living benefits and cash value you can use while you are still here.
Open the guide →Lifetime Income Calculator
With what you have today, how much can you receive for life?
Find the gap between what you need to live on and what Social Security and other income cover, then see the premium it takes to close it, or the income a premium would produce.
Lifetime Income Calculator With what you have today,
With what you have today,
how much can you receive for life?
Find the gap between what you need to live on and what Social Security and other income cover, then see the premium it takes to close it, or the income a premium would produce.
Based on the published payout table of one fixed indexed annuity. Several carriers are compared during your consultation.
1Find your income gap: what you need, minus what you expect
$
$
Monthly income gap
$3,500
$42,000 / year
2Premium and income calculator
Covered person
Who the lifetime income covers: you alone, or you and your spouse.
Estimated annual lifetime income (pre-tax)
$28,650
about $2,388/mo · payout rate 11.46%
starts at 65 · 5 yrs deferred (based on age 60) 11.46%
Up to +10% payout growth each year for the first 10+2% a year after that, to year 25 or age 80Payments can double for up to 5 years if 2+ ADLs fail
Amounts can change as interest rates change. Ask me for an illustration and I will send you the exact figures.
Illustration only. These figures come from the published lifetime payout table of one fixed indexed annuity. They are estimates, not guarantees. Lifetime payments require a separate income rider, which carries an annual charge deducted from the accumulation value.
This calculator is not a solicitation for any specific product. Product materials and an accurate quote come with your consultation, where several carriers are compared to find the terms that favor you.
Read the full product disclosure
Fixed index annuities are long-term insurance products, not direct investments in the stock market, and their guarantees rest on the financial strength of the issuing carrier. They offer the potential for interest credited partly on index performance without downside market risk to principal, though rider charges or strategy fees that exceed credited interest can reduce the accumulation value. Index-linked interest is not the same as index performance.
Income here refers to a contractual guarantee elected through the Lifetime Payment Amount (LPA), which differs from interest credited to the annuity. Tax treatment of the LPA depends on your situation, so consult a tax professional. Net premium is the initial premium less withdrawals, surrender charges and any market value adjustment.
1. After year 10 the annual lifetime payment increase is 2.00%, applied until contract year 25 or age 80, whichever comes first. 2. The rider carries a 1.25% annual charge on initial premium until the contract or the GLWB terminates. 3. The doubling benefit activates only on a physician written certification that 2 or more of the 6 activities of daily living cannot be performed; all 6 must be performable at issue. See the product brochure for definitions.
Why Monica Kim 
Your story comes first, not the product
Retirement and money are hard for everyone, so I never lead with a product. I compare the carriers and point you to the one whose terms serve you best.
Explained in plain Korean
No jargon. I explain U.S. insurance and retirement rules in plain Korean, and in English if you prefer.
Not tied to one carrier
I compare policies across carriers side by side and bring you the terms that work best for you.
Principal protection first
Keeping what you have comes before chasing a return. I focus on products where your deposit is guaranteed.
Still here after the paperwork
The policy is only the start. As your life changes, I review it again and adjust.
YouTube
The complicated parts, explained on video
Annuities, long-term care, 401(k) rollovers. Real retirement stories and the many clients I’ve helped along the way. All in one place, on video.
Articles
Expert columns
Rental income, or a lifetime annuity? A rental property is a fine asset. It just is not the right one for everyone. Learn more One question is enough to start
A consultation does not oblige you to buy anything. Putting your situation in order is my job.
- 1
Call or email
Leave just a name and a number, and I will call you back.
- 2
We talk it through
Not a product pitch. I start with where you stand and what you want to know. Office visit or phone, whichever is easier.
- 3
You decide in your own time
I show you the carriers side by side. Talking it over with your family first is never too late.
