Most retirees are one bad market at the wrong time away from running out of money. There's a better way.
No obligation. No sales pressure. Just math.
Protected When It Drops. Positioned When It Recovers.
Three critical problems that destroy most retirement plans—and how to solve them.
Two identical portfolios with the same average return can have dramatically different outcomes based on timing. A $1M portfolio that drops 30% in your first year of retirement is NOT the same as one that drops 30% in year 10. The early downturn forces you to sell assets at the worst possible time, damaging returns permanently.
Created in 1994 for a different market era, the 4% rule doesn't account for today's longer retirements, rising healthcare costs, or the reality that you can't control WHEN market drops happen. Relying on it alone leaves you vulnerable to the timing risk that actually matters.
When the market drops and you need income, you're forced to sell growth assets at the worst possible time. Those shares never recover because they're gone. This silent killer of retirement plans is the real cost of sequence of returns risk—not the market itself, but being forced to harvest losses.
CFP® | 20+ Years in Financial Services
"I've spent two decades in financial services—at Vanguard, at Wells Fargo, navigating every market cycle. I left the big firms because I realized nobody was solving the one problem that actually destroys retirement plans: being forced to sell when the market is down.
That obsession led me here. Peak Income Advisors exists to solve sequence of returns risk with clarity, math, and a safety net that actually works."
Three clear steps to build a retirement plan that survives what the market throws at you.
In a free strategy session, Spencer shows you exactly what happens to YOUR retirement plan during a market downturn. No assumptions. Just your numbers and the math.
A strategic IUL policy—designed specifically as the 'risk-off' portion of your portfolio—so you never have to sell growth assets during a downturn. Income when you need it. No forced sales.
Protected when it drops, positioned when it recovers. Your growth assets stay invested through downturns while your safety net provides the income. The math works.
What makes our approach different—and why it matters.
Our uncommissioned structure retains 57% more value in your policy. We don't win when you buy more insurance. We win when your retirement works.
As a CFP®, Spencer is legally and ethically bound to act in your best interest. Always. No conflicts. No exceptions.
We work alongside your RIA, CPA, and estate attorney as specialists—not replacements. Your team benefits from a focused expert in retirement income strategy.
Annual policy reviews. 75% loan-to-value safety standard. Ongoing monitoring. Your policy doesn't just sit there—it's actively managed to protect you.
Client testimonials & case studies coming soon
Real stories from business owners and high earners who built their safety net and retired with confidence.
In a free 60-minute strategy session, Spencer will show you exactly how sequence of returns risk affects your specific situation—and whether a strategic safety net makes sense for you.