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Retirement Income Rescue Plan
Lock in Protection & Predictability Before Opportunities Fade
The Reality Check
3.0%
Current Inflation Rate
September 2025 - Your purchasing power is eroding
~3.65%
Fed Funds Rate
Just cut from higher levels - more cuts possible in medium term
Your purchasing power is eroding faster than most conservative investments can protect. Bank rates, CD yields, and savings returns are heading downward. Federal employees face unique retirement income challenges with FERS COLA limitations.
Your Rescue Plan
Lock in Higher Rates
Secure elevated earning power while rates remain favorable
Guaranteed Income
No market volatility guessing games - predictable streams
Inflation Protection
Preserve purchasing power with competitive options
Tax-deferred growth potential until income begins, longevity planning for your personal income stream, and strategically designed to complement retirement plans like 401(k)s, ROTH IRAs, TSP, and Pensions as part of your overall income foundation.
How We Execute Your Rescue Plan
01
Analyze Your Gap
Calculate exactly how much guaranteed income you need to cover essential retirement expenses vs. what your retirement system (e.g. FERS/TSP, NYSTRS, FRS, or DROP) provides.
02
Optimize Allocation
Determine the right dollar amount to dedicate now for guaranteed income vs. keeping liquid or growth oriented
03
Strategic Mix
Blend purely guaranteed tools with upside potential options tied to index performance where appropriate
04
Monitor & Act
Track rate movements and inflation so we can act quickly when opportunities arise or conditions shift
Don't Let This Window Close

Troy Barrow, LUTCF
Life Capitalized Financial LLC
Helping Retirement Savers and Retirees Plan for Their Financial Future.
Guiding Your Path. Building Your Future.
I can run projections showing how much income and purchasing power you might gain by locking in now vs. waiting.

Data Sources: Federal Reserve Board-Dec. 10, 2025 FOMC Meeting, YCharts, Trading Economics: US Inflation Rate 3.0%, Bureau of Labor Statistics: CPI Report September 2025, J.P. Morgan: Fed Meeting Analysis, Federal Reserve Economic Data: Consumer Purchasing Power
Disclosures: The opinions expressed are for general information and should not be considered a solicitation. Content developed from sources believed accurate. Not intended as tax or legal advice.
Annuities are long-term investments with potential penalties for early withdrawal. All guarantees contingent on issuing company's financial strength. Past performance not indicative of future results.
Individuals cannot invest directly in an index. The performance of an unmanaged index is not indicative of the performance of any specific security. The guarantees of indexed annuities may cover only a certain percentage of the initial investment. The participation rate (which is the amount of index gain that the insurance company will credit to the annuity) is set and limited by the issuing insurance company. And sometimes there is a cap rate, which is the maximum rate of interest the annuity can earn. Some insurance companies reserve the right to change participation rates, cap rates, and other fees either annually or at the start of each contract term; these types of changes could affect the investment return. Based on the guarantees of the issuing company, it may be possible to lose money with this type of investment. Therefore, it is recommended that you understand how the contract handles these issues before deciding whether to invest.
Past performance is not a reliable indicator of future results. All investing involves risk including the possible loss of principal.
Check the background of your financial professional on FINRA's BrokerCheck.
Investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member SIPC, 561-314-3100 www.htk.com. Life Capitalized Financial LLC is not affiliated with HTK. The material is not intended to be a recommendation, offer or solicitation. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation.
Our representatives are insurance and securities licensed in Florida. Our representatives are licensed to offer insurance and security products in our resident state(s) of FLORIDA, in addition to other states. For additional licensing information please contact our office. This is not an offer or solicitation of products and/or services in states where not properly licensed and/or registered.
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