Pillar
AI disruption & income stability
A practical framework for households navigating job uncertainty while protecting retirement cash flow.
Preview article arc →Education-first retirement income planning
Build a retirement income plan that stays steady when markets and work change.
Income Pivot combines plain-language education, side-by-side product comparisons, and practical planning tools so households can evaluate options with less fear, more clarity, and better advisor coordination.
Balanced framing: no fear-based copy, no all-in narratives.
Scope guardrails: educational content, not individualized tax/legal advice.
Advisor coordination: built for collaboration, not replacement.
Content woven from current drafts
Featured education and comparison tracks
These map to the current content strategy: AI disruption resilience, MYGA basics, where MYGA is not a fit, and MYGA-vs-CD tradeoff analysis.
Education
What is a MYGA and who is it for?
Core mechanics, common misunderstandings, and fit criteria in plain language.
Open guide concept →Boundaries
When a MYGA is not a fit
Explicit no-fit scenarios, alternatives, and questions to ask before committing.
Review no-fit framework →Comparison
MYGA vs CD for retirement income
Side-by-side tradeoffs around liquidity, certainty, complexity, and use-case alignment.
See comparison structure →Calculator lab
Keep these links live while we flesh out tools
Calculator UX and formulas are in active development. Links stay visible for flow testing.
Income Pivot Planner
Coming soonModel base income targets against guaranteed and flexible sources.
Open calculator linkMYGA Ladder Builder
Coming soonTest 3/5/7-year ladder structures for staged liquidity and income timing.
Open calculator linkIncome Gap Analyzer
Coming soonEstimate monthly shortfall and evaluate allocation scenarios responsibly.
Open calculator linkSequence Risk Sandbox
Coming soonVisualize retirement cash-flow sensitivity under multiple market stress paths.
Open calculator linkWorkflow
How Income Pivot is intended to work
1
Learn
Read balanced explainers with alternatives and explicit caveats.
2
Model
Use calculators to test assumptions and compare pathways.
3
Qualify
Capture consented intake with state-aware routing rules.
4
Coordinate
Support advisor/agent conversations with clearer inputs and logs.
Compliance note: This dev stage reflects an education-first posture. Content and tools are for information and planning support, not individualized investment, tax, or legal advice.