Income-First Planning

Essential income is protected before growth is pursued.

Designed for Delegation

Clear frameworks for households that value certainty and control.

Volatility, inflation, and sequence risk are addressed directly.

Market-Risk Aware

Income Is Designed Before Growth Is Assumed

Retirement planning here begins with income reliability.

Portfolios are evaluated for exposure to market-driven withdrawals, inflation pressure, and longevity risk—before long-term growth assumptions are applied.

This approach emphasizes control, predictability, and sustainability over speculation.

The Retirement Paycheck Framework

✅Income Needs Analysis

✅Guaranteed Income Review

✅Sequence of Returns Stress Test

✅Inflation-Proofing Strategy

✅Personalized Retirement Paycheck Plan

Understand Where Retirement Income Is Exposed

Retirement outcomes are shaped by income timing, guaranteed cash flow, and the gap between what is needed and what is protected.

Sequence of Returns Risk Calculator

Shows how early market downturns can permanently impact retirement income—even when long-term returns are strong.

Retirement Income Gap Calculator

Identifies the difference between income required for lifestyle needs and income that is currently reliable.

Guaranteed Income Calculator

Illustrates how protected income can reduce reliance on market withdrawals throughout retirement.

Legacyhaven Advisors understood the unease that I felt. They took time to understand me and my issues with my retirement. They helped me implement a plan that was customized for me.

Gerald H.

★★★★★

Retirement Deserves More Than Assumptions

Income reliability determines lifestyle flexibility. A clear analysis identifies where income is protected—and where it remains exposed to market conditions.

Designed for retirees and pre-retirees who value certainty, control, and income reliability.