Risks to Retirement Income


Saving for retirement is just the beginning.
If you’re like many Americans, you’re concerned about saving enough for retirement. But that’s only half the story.

While it’s vital to have a solid savings strategy, you need an income strategy for your retirement, too. That’s because retirement consists of two phases: accumulation – saving money for retirement – and distribution, or receiving retirement income.

And in the same way you work to protect some of your savings from risk, it’s also important to protect your income from several risks you could face in retirement.

About Us


Benefit Planning Services was founded by Phil Watts in 1983. We are a full service Life and Health Agency, specializing in Life Insurance, Individual Health Insurance, Medicare Supplements, Annuities and Wealth Management.

What's New


As an employer, are you tired of paying the high cost of group health insurance? Let us show you our concept of Positioning & Control. Whether you have a few employees or a few thousand, we will show you how to save thousands of dollars and at the same time, improve the benefits you offer to your employees.