Here’s what we can guarantee – and clarify further for your own needs. Assembling your financial plan we can guarantee you have resources which can serve the purposes you specify for your life-income …and your estate. It requires working together and considering the products that clearly “guarantee” income, together with those that assure flexibility and rising purchasing-power. We’ll include all assets and cash-flows in a certified financial plan that shows your ongoing wealth and security. “Litmus test” is where you’ve perhaps expected 5% earnings for life to 85 – so we test this at 4%, 6%, 8% and make it last until 95 or 105. With regular reviews we measure progress and support your ongoing income.