Thomas J. Marron
Income for Life Advisor


 

Income For Life
    
Why is income our first financial priority?

We know Americans face a complex challenge securing income that lasts a lifetime. Income that is also predictable, flexible, tax-efficient, increases, and protected. That is a big challenge

Income to live their dream, to enjoy the quality of life they have worked hard for. Income that will transform financial fears into financial freedom. Income that delivers peace of mind. That is why  income for life is first. It's as simple, and complex, as that.

Our focus on income is the driving force that empowers us to do what we need to do.

Why is income such a "complex challenge?"
  
Market Risk

During the "Lost Decade" of 2000 to 2010, we saw the S&P 500 lose 50% of its value twice in less than ten years. It took 13 years to recover and move higher. Millions of Americans in retirement, or ready to retire, found themselves wondering, "will my lifetime savings & income last as long as I do?"

Income Risk
Running out of money in retirement is a the #1 fear for most Americans. Securing a guaranteed income is what most Americans say they want. However, few know how and where to do get it.

Tax Risk
Is arguably the greatest financial loss most of us will suffer from over the next thirty years. It is also the financial loss we are most unprepared for. The IRS is our silent partner, the controlling partner, in each of our retirement accounts. How much of your IRA/401k will you lose to the IRS?

Legislative Risk
Has taken the spotlight in recent years. In 2025, the 20% tax cuts of The Tax Cuts & Jobs Act of 2017 are scheduled to "Sunset." With deficit spending in the trillions, the national debt in the danger zone, and money printing at all time highs, the IRS, US Treasury, elected officials must increase their revenue and your taxes. This legislative risk is one you cannot control, cannot predict, cannot eliminate. It is a major threat to each person's financial security.

At Income for Life, we help you identify, quantify, and minimize the retirement roadblocks that could take away your freedom to live your dream, pursue your bucket list, and create the lifestyle you desire and deserve.

When my clients faced the Corona Crash of 2020 and the Financial Crisis of 2008, they were prepared. Their lifetime incomes were protected. Their lifetime savings were safe. Their hopes and dreams intact. Their families secure. Their futures bright as ever. We had done our job and done it well.

Retirement income is our specialty, expertise, and passion. We love what we do.


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How did we begin this work?

It was at the bottom of the Dotcom Crash in 2002 when I took the first steps into my financial services career adventure. Millions of Americans had just lost half of their lifetime savings, their jobs, even their homes. Their futures were uncertain, their retirement plans were postponed, dreams were on hold. After the longest bull market in history, and the dawning of the "new economy," we had just been blindsided. More than a dotcom crash, more than a simple "market correction," this was a family, and personal, financial crisis for many.

People needed help. They needed strategies to rescue and recover their financial security, solutions that would protect and grow their future financial freedom. In that summer of 2002, I began my new career adventure in financial services. "Why,"  friends asked, "this must be the worst possible time!" Maybe, just maybe, I could be part of the solution. Perhaps, I could help rebuild some of those hopes, dreams, and plans. What if I could even find financial strategies, tools, and resources to prepare and protect some people for the next "market correction?"

If you are not part of the solution . . . . . you are part of the problem.


During the Corona Crash of 2020 and the Financial Crisis of 2008, my clients were prepared. Their lifetime incomes were secure. Their lifetime savings were safe. Their hopes and dreams intact. Their families protected. Their futures bright as ever. We had done our job and done it well.

I have the privilege and responsibility of working directly for a special group of individuals and families who are committed to building the financial security and freedom essential for the quality of life they desire and deserve. Each day, I commit myself to earning their trust and fulfilling my fiduciary responsibility. I have chosen to be an independent income advisor. I do not work for a financial services company. I work exclusively for my clients.
 
Making a positive difference in the lives of my clients and their families is fulfilling. Working one-on-one to custom design action plans that focus on achieving their highest priorities is my job. Their financial success is my goal. I love what I do.


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The Chinese use two brush strokes to write the word "crisis."
One brush stroke stands for danger; the other for opportunity.
In a crisis, beware of the danger - recognize the opportunity.

 
- President John F. Kennedy


Crisis: Danger & Opportunity - ELGL

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To identify each person's unique goals, challenges and concerns, I listen to understand. Together, we build a foundation of financial fundamentals that make educated decisions possible. We co-design a plan with strategies that are in their best interests and will take them from where they are to where they want to be. With a whole-hearted commitment to "making it happen," we begin.

Our plan of action is just the starting point. Monitoring progress, updating goals, and constantly making it better are critical to our ultimate success. Communication lines are always open. I am always available to those I serve.

Because income for a two-person, three decade retirement must be reliable, predictable, flexible, and tax efficient, income planning is critical and challenging work. The results impact every aspect of our lives and the lives of those we love. Transforming those challenges into opportunities is what we do.

After your income for life program is launched, you will focus on comprehensive financial planning to protect your family, build your wealth, minimize your taxes, leave a legacy, preserve your estate, and make a difference in your community.

If you are commited to these financial priorities and are ready to do whatever it takes to make them happen, accept our invitation to engage in a "Discovery Conversation" to explore how we can help you realize your hopes and dreams. That conversation
will be all about you, your questions, your concerns, and your foremost priorities.
 


Are you prepared?

For a two person, three decade retirement?
Let me invite you to find a
nswers - practival, tactical, actionable - in 15 minutes.


To Book Your 15 Minute "Discovery Conversation" - Click Here

(401) 529.7177  C          (401) 885.2111  W          tom@tommarron.com

 
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