# Each part of your retirement money has a different job.

Layered Income starts by seeing which jobs your Social Security, pension and savings already cover. Then we look at whether an annuity could take on one that is left, and what it would ask of you in return.

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## Retirement needs and existing resources

Illustrative connections: Social Security and a pension connect to everyday income. Savings can support everyday income, money within reach and later years. An annuity is an option for everyday income or later years only where a need is still open.

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## We fill in the map before we talk about products.

In a review we work through three questions with you, in this order.

1. What do you need your money to do each month, in an emergency and later on?
2. Which of those needs are your current resources already covering?
3. Where a gap remains, would an annuity's guarantees be worth the access you give up?

Many annuities offer guaranteed income or a guaranteed rate for a set term, and most limit access to that money for years. A review weighs that tradeoff against your own needs.

## Bring your questions about income.

Schedule a review to discuss your income needs, concerns and annuity options.

Reviews are with Bryan Hackett, a licensed insurance producer. [About Layered Income](/about/).

[Schedule a Review](/schedule/)

Layered Income LLC is a licensed insurance agency.

This site and its content give general information about retirement income, not advice for your own situation, and are not tax, legal or investment advice. Annuities are insurance products. Their guarantees depend on the financial strength and claims-paying ability of the insurance company that issues them.

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