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Retirement Income Planning

Start the Next Chapter of Your Life with a Sense of Confidence

Jeff Zemito has been an innovative leader in meeting the needs of both pre and post retirees for more than 20 years. Jeff and his team implement a wide range of retirement plans and services, each of them designed to help maintain a long-term retirement and income strategy.


Whether you are approaching retirement or already there, the challenges you may come up against could seem daunting. Recognizing and addressing these challenges is an important first step to meeting your retirement goals. Together, we can develop a strategy that addresses the following risks:

  1. Longevity Risks
    The possibility of outliving retirement assets
  2. Inflation Risks
    A reduction in purchasing power down the road
  3. Health Care Costs
    An unexpected rise in cost of care, a challenge faced by all senior citizens
  4. Market Risk
    The potential loss of assets that you have invested
  5. Excessive Withdrawals Risk
    Taking out too much money too quickly

Delivering Sound Retirement Solutions


Our retirement solutions are comprised of three fundamental components: Growth, Access, and Predictable Income. When used together these three components cover your entire retirement strategy and may allow for better retirement income protection, which will allow your other assets to accumulate more efficiently. Properly managing the allocation of your retirement savings to the G.A.P. approach is the first step towards retiring confidently.

GROWTH – finding income opportunities to keep pace with inflation and help maintain your standard of living

ACCESS – maintaining asset flexibility to adapt to your changing needs over time

PREDICTABLE INCOME – implementing reliable, market-proof income strategies to help minimize unwanted surprises


After gathering all the required information, Jeff will assess and analyze your overall situation. This analysis will help you answer critical questions, such as:

  • Are my sources of income reliable enough to cover all necessary expenses throughout retirement?
  • Is my portfolio strong enough to generate income for discretionary expenses?
  • How do I know if my withdrawal rate is at the proper amount?
  • What is the best array of solutions to meet my income needs throughout retirement?