Retirement isn’t just a finish line. It’s a transition. A chance to move from accumulation to distribution, from uncertainty to clarity, from earning a paycheck to replacing it with income and purpose.
At Woolman Financial Group, we call it more than retirement. We call it Repurposing your life and resources for what matters most.
We help you answer the most critical questions:
Will my money last?
How much can I spend safely?
How do I protect against market losses and rising costs?
How do I make sure my income plan reflects my values?
We don’t offer generic drawdown strategies or hope-based projections. We build custom income blueprints rooted in a proven framework: The Two Economic Powers System.
This system blends both financial worlds - accumulation and distribution—so you get not only growth, but predictability. And more importantly, the freedom to Repurpose your resources and time for the people, causes, and experiences that matter most.
Think of your financial life like climbing a mountain. Reaching the summit (retirement) is an achievement. But the real challenge is getting back down safely.
Most retirees focus on how much they’ve saved. But without a coordinated plan for turning assets into income, that savings can erode faster than expected.
We help you make that descent with confidence, control, and a map that guides every step.
Most retirement advice today is based on outdated assumptions. The typical 401(k)-style plan leaves you with an account balance, not a strategy. You're left to wonder: Is this enough? How do I know if it will last?
For many professionals and business owners, the accumulation phase feels clear: save, invest, repeat. But once you reach retirement, the road map ends. You're left navigating taxes, withdrawals, and longevity risk on your own.
You may be told to withdraw 3–4% per year. But what happens if the market drops? If inflation surges? If your life expectancy extends beyond the actuarial tables?
Imagine retiring with $1.5 million and no idea how to turn it into consistent income. That's the gap we solve. Because assumptions aren’t a strategy. And guesswork is no way to plan your future.
This approach puts all the pressure on you and leaves no room for error.
At Woolman Financial Group, we use a retirement income model that brings together two essential forces:
Investment Power: The growth engine. Represented by market-based assets designed to build wealth over time
Insurance Power: The stability engine. Represented by protected assets designed to deliver guaranteed income, regardless of market conditions
Think of it like having both an engine and a seatbelt. One drives you forward. The other keeps you safe when the road turns.
This isn’t about choosing between risk and security. It's about blending both with intention. For the executive who wants control, the business owner who needs predictability, and the faith-based family steward seeking peace of mind, this system creates the freedom to live with confidence.
It’s not about replacing your portfolio. It’s about aligning it with a real-world income strategy—so you can move from guesswork to design, from worry to clarity.
20 minutes that could change your financial future.
After decades of building wealth, most of our clients reach a point where they’re asking:
"What will this actually look like month to month?"
That’s where Retirement Income Design becomes personal. Here’s what it typically includes:
An Income Map
A visual blueprint that shows exactly how each asset contributes to monthly income.
Protected Income Structuring
Blending guaranteed products with market assets to increase stability and elevate potential withdrawal rates beyond the standard 3–4%.
*Any guarantees referenced are provided by insurance products and are subject to the claims-paying ability of the issuing carrier.
Social Security Optimization
Claiming strategies that maximize lifetime benefits by coordinating with other income sources.
Inflation Defense
Strategies designed to help income keep pace with rising living costs over time.
Tax-Smart Distribution
Sequencing withdrawals to minimize taxes and extend the life of your income. Our goal is simple: to turn financial uncertainty into lifestyle clarity.
The Two Economic Powers System gives our clients something most retirement plans don’t: options.
Higher Income Potential: In some client scenarios, integrating protected income strategies has supported withdrawal rates above traditional models, depending on risk profile and product structure. Results vary and are not guaranteed.
Market Resilience: Alternate income sources allow you to skip withdrawals during downturns.
Integrated Planning: Social Security, investments, insurance, and pensions work together—not in silos.
Peace of Mind: You know how every expense is covered month by month
And because we understand how high-income professionals and business owners think, we design income strategies that reflect your lifestyle, your vision, and your faith.
If you're preparing to retire, or wondering if your current plan truly supports the life you want, we invite you to explore the clarity that comes from design, not default.
It starts with a 20-minute Quality Control Check: no pressure, no obligation. Just a conversation about how to turn your hard-earned success into a retirement that feels purposeful, peaceful, and free.
Because when you’ve worked a lifetime to climb the mountain, you deserve a guide who can help you enjoy the view all the way down.
20 minutes to assess whether your retirement income strategy reflects your goals.
The information provided on this site is for educational purposes only and is not intended as investment, tax, or legal advice. Please consult your qualified professional before making any financial decisions.
Testimonials represent individual client experiences and do not guarantee similar outcomes. No compensation was provided for these testimonials.
Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC. Supervisory Office: 900 East 96th Street, Suite 300, Indianapolis, IN 46240, (317) 469-9999. Woolman Financial Group is not a subsidiary or affiliate or MML Investors Services, LLC or its affiliated companies.
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