Preserve Wealth Group
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Pick a time below for your 15-minute call. We will tell you what your savings could pay you every month, and match you with a licensed professional in your state.

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The math

Two ways to turn your savings into a monthly paycheck

Most people are only ever shown one of them.

If you have
Drawing it down
$0
per month
The widely used safe withdrawal figure for 2026 is 3.9%. And “safe” means roughly a nine-in-ten chance it lasts. Not a guarantee.
Guaranteed for life
$0
per month
Based on current quotes for a 65-year-old. Paid every month for as long as you live. Make it to 101 and it is still arriving.

Same $500,000. Roughly double the monthly income, and it never runs out.

The second one is an annuity. Specifically a guaranteed income annuity, the simplest contract in the category: you hand over a defined amount, they pay you a defined amount every month for as long as you live.

These figures use a 65-year-old. Age moves them in both directions, and not the way most people expect: start income younger and the monthly cheque is smaller, because it has to last longer. Let it sit for a few years first and it comes back considerably larger. Start older and it is larger from day one.

Which of those is right for you depends on your age, your state, when you actually need the income, and which carrier is paying best that week. That is the whole reason a licensed professional runs your number rather than a calculator.

The idea

You do not convert your savings. You cover the floor.

This is the part almost nobody explains, and it is the part that makes the rest make sense.

Start with what already arrives. Social Security, and a pension if you have one.
Cover only the gap. Whatever it costs to run your house, minus what already arrives. For most people, closing that gap takes somewhere between a quarter and a third of what they have saved.
Everything else stays exactly where it is. Liquid, invested, and yours.
Here is the part most people miss. The money you did not touch becomes more available, not less, because you are no longer afraid to spend it. The groceries are not riding on it anymore.
The options

There are three kinds. Most people get sold the wrong one.

Fixed

Grows at a set rate for a set number of years. Safe, predictable, and frankly boring.

For: better than a CD, without market risk.

Income

You hand over a portion, they pay you a set amount every month for life. The most guaranteed income per dollar of anything available. You give up access to that portion. That is the trade.

For: you need the paycheck now or soon.

Indexed

Follows the market up to a cap. When the market drops, your balance sits still. You can add a rider that guarantees a paycheck later.

For: growth with a floor, income in 5–10 years.

And the part you will not hear anywhere else: that third one usually pays the agent the most. That does not make it wrong. For plenty of people it is genuinely the right answer. But you should know it before someone recommends it, not after.

Straight with you

The three catches. Before you talk to anyone.

Most people in this business tell you the upside and let you find the rest out later. Here is all of it now.

1

It is not liquid

Most contracts let you take out around 10% a year without penalty. You cannot have it all back on demand. If there is any chance you need that money for a roof or a medical event, it does not belong in there. That is exactly why this is never all of your savings. Usually a quarter to a third.

2

Legacy

On the simplest version, if you pass away early the remainder stays with the insurance company rather than going to your children. You can buy that back with a period-certain or return-of-premium feature. It costs you monthly income, and you will see both numbers before you decide anything.

3

The professional gets paid

The insurance company pays them a commission if you move forward. It comes out of the carrier’s margin, so your contract starts at the full amount you put in, and you pay nothing directly. It is still a conflict of interest. Ask them what they earn on whatever they recommend. A good one will tell you without flinching.

This is not right for everyone

We would rather tell you now than waste your time on a call.

Trustpilot

What licensed professionals say about working with us

CJ
Christian Jaehn-Kreibaum
5 reviews

Working well with Preserve Wealth Group

I have been working with Preserve Wealth Group for the past seven to eight months as a financial advisor licensed in both insurance and investments. Based on my experience with other organizations over the years, I have found Preserve Wealth Group to be exceptionally supportive and responsive. Their team is always willing to help, they continually introduce new tools and resources that enhance my ability to serve clients, and their back-office support is knowledgeable, communicative, and efficient.

Aug 4, 2026
SM
Simon Marples
3 reviews

I appreciate the Preserve Wealth Team

The management team at Preserve Wealth Group does a very good job of living up to their commitments. They are all working hard to create the success expected by myself and all the other members I've met. I appreciate their creativity and drive to maximize their commitment to ensure our success.

Oct 20, 2025
JT
Jerome Timmermann
1 review

I highly endorse Preserve Wealth Group

Just starting my 45th year of tax mitigation I remain fully active, which means seldom does a new impactful strategy or concept add to my capacity. Being a member now for 6 months, everything promised plus more has occurred.

Sep 2, 2025
ES
Elijah Sarge
1 review

Very high level advisors

Very high level advisors, that use incredible tax mitigation strategies, and teach others how to take control of your financial picture. I'm continually astounded on the strategy's this company uses.

Sep 2, 2025
KB
Kaleb Bowden
1 review

Phenomenal experience with the team

They not only provide on the value they bring but truly are getting the right connections in place to make impact in the lives of business owners across the country. Very rarely do you see people doing what they say they are going to do.

Aug 29, 2025
LO
Lou
4 reviews

Preserve Wealth Group does in fact Preserve wealth

Preserve Wealth Group works with the best advisors in the country and the community of advisors is amazing! I learned about money saving opportunities, as well money making opportunities that I didn't even realize existed nor did my CPA.

Aug 27, 2025
CL
Corbin Lindsey
2 reviews

Preserve Wealth Group is Amazing!

Preserve Wealth Group has outdone their competition by creating a platform for experienced and newer advisors to collaborate to ultimately help more clients reap the rewards of amazing tax strategies. This has been a great experience.

Aug 27, 2025
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Questions people ask before the call

Is anyone going to try to sell me something?

Not on either call. Nobody can take your money over the phone and nobody will ask you to.

The 15-minute call decides whether this fits your situation at all. If it does, you get introduced to a licensed professional in your state who runs your actual numbers. If it does not, we will tell you on the call and you are done.

I have heard annuities are a rip-off.

Some of them are, and that criticism is fair. There are contracts sold in this country with twelve-year surrender schedules and growth caps so low the growth is almost theoretical. The professionals in our network do not use those.

But annuity covers about as much ground as the word insurance. The version most people should be looking at is the simplest thing in the category: you hand over a defined amount, they pay you a defined amount every month for as long as you live. No caps. No participation rates. Nothing to track. Judge that one on its own.

What if the insurance company fails?

Three layers. The professionals in our network place business with carriers rated A or better, companies that paid claims through 2008 and 2020. State regulators require reserves backing every contract issued. And every state has a guaranty association that covers annuity contracts up to a state limit, commonly somewhere between $250,000 and $300,000 of present value, though it varies. If your amount would exceed your state's limit, the fix is to split it across two carriers.

To be plain about what this is not: an annuity is not FDIC insured and is not backed by the federal government. It is the carrier's obligation, with the guaranty association behind it. Anyone who tells you otherwise is wrong.

How do you make money?

Preserve Wealth Group is not an insurance company and is not licensed to sell annuities. We match you with independent licensed professionals, and those professionals pay us for the introduction. You pay us nothing, ever.

The professional is paid a commission by the insurance company if you decide to move forward. It comes out of the carrier's margin rather than off the top of your money, so your contract starts at the full amount you put in. That is still a conflict of interest, which is exactly why you should ask them what they earn on whatever they recommend. A good one tells you without flinching.

How long does the first call take?

Fifteen minutes, and usually less. Four questions about your situation, then either an introduction or an honest no.

Do I need to bring anything?

A rough idea of what you have and, more useful, where it is held. An IRA, an old 401(k), a plan at your current job, CDs, a brokerage account, an annuity you already own. That single detail decides which options are actually available to you, and knowing it up front saves most of the call.

Pick your time

15 minutes. You will know more about your own situation than you do right now, either way.

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