{"id":37,"date":"2026-10-15T16:00:00","date_gmt":"2026-10-15T16:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/elitexfinancial-com\/2026\/10\/15\/three-steps-before-choosing-income-building-legacies-that-last\/"},"modified":"2026-10-15T16:00:00","modified_gmt":"2026-10-15T16:00:00","slug":"three-steps-before-choosing-income-building-legacies-that-last","status":"publish","type":"post","link":"https:\/\/www.elitexfinancial.com\/blog\/2026\/10\/15\/three-steps-before-choosing-income-building-legacies-that-last\/","title":{"rendered":"Three Steps Before Choosing Income | Building Legacies that last."},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/elis-rosado\/annuity-vs-dividend-remotion-videos-4a3b\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>When it comes to building a retirement income plan, there\u2019s more than one path to consider. For example, a $665K five-fund portfolio yielding around 4.5% could provide approximately $2,500 in monthly income\u2014potentially matching or even surpassing many immediate annuity quotes, all while your capital remains invested. This highlights the classic tradeoff: annuities offer the certainty of lifetime payments, but if you select a single-life contract without any refund provisions, your heirs may be left with nothing should you pass unexpectedly.<\/p>\n<p>Inflation is another key factor. With average inflation at about 3%, a fixed $2,500 monthly payment could have the buying power of just $1,900 in a decade, making it important to consider how your income can keep pace with rising costs. Dividend growth funds, for example, may start at a lower monthly amount\u2014around $1,900\u2014but can help preserve purchasing power over time. On the other hand, higher-yield portfolios might reach $3,300 per month, but this often comes at the expense of future growth.<\/p>\n<p>At Elitex Financial Solutions, we believe a thoughtful approach is essential. Start by reviewing several immediate annuity quotes, both with and without cash refund options. Then, consider matching guaranteed income only to your essential expenses, while investing the rest for added flexibility and growth potential. Our mission is always to help you make informed, confident choices so you can protect and preserve your wealth\u2014today and for generations to come.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to building a retirement income plan, there\u2019s more than one path to consider. For example, a $665K five-fund portfolio yielding around 4.5% could provide approximately $2,500 in monthly income\u2014potentially matching or even surpassing many immediate annuity quotes, all while your capital remains invested. This highlights the classic tradeoff: annuities offer the certainty [&hellip;]<\/p>\n","protected":false},"author":120,"featured_media":38,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-37","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/posts\/37","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/users\/120"}],"replies":[{"embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/comments?post=37"}],"version-history":[{"count":0,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/posts\/37\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/media\/38"}],"wp:attachment":[{"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/media?parent=37"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/categories?post=37"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/tags?post=37"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}