Our Process

Retirement income planning is a complex and dynamic process that’s different from traditional retirement planning, which focuses on the accumulation of wealth. There are many moving parts that must be prioritized long before you retire and monitored carefully to ensure the fulfillment of your retirement vision.

The importance of having a dynamic, fluid retirement income plan cannot be overemphasized. With increasing life expectancies, limited availability of traditional pension plans, escalating health and extended care costs, inflation, and uncertainty regarding Social Security benefits, retirement income planning is no longer optional. The consequences of not having a plan that’s managed and protected from unforeseen events can be costly at the least and potentially financially and emotionally devastating.

Our goal is to make your life easier and enable you to retire, and remain retired, with minimal worries. At Retirement Income Center, we are your true partner in planning, managing, and protecting your retirement income.

We encourage you to view our video in which Retirement Income Center founder Robert Klein discusses our unique approach.


Planning is the first and most important step in providing outstanding service for our clients. It is the glue that holds everything together. All of our plans include a thorough and detailed analysis that helps us make recommendations for your unique situation.

Our recommendations are tax-sensitive and include Social Security, Medicare, and estate planning strategies as appropriate. The plan also helps us determine the managing and protecting services, as well as other specific services, that we may recommend for your unique situation.

While implementation of managing and protecting services with Retirement Income Center is not required, these can often be complementary parts of a holistic approach to your retirement planning. Clients who implement these services with Retirement Income Center receive the value-added benefit of ongoing retirement income planning.


Unlike traditional investment management firms that only provide investment advisory services, Retirement Income Center also offers income management services to help close the gap between your projected income needs and projected income sources without worrying about, and being dependent upon, the volatility of the stock market.

Our income management services can help secure your financial future with a predictable income stream during retirement. We use your Retirement Income Plan to determine the services that are appropriate for your retirement goals. Our recommendations may include one or more types of fixed income annuities: immediate annuities, deferred income annuities, and fixed index annuities with income riders.

The specific types and timing of annuities, along with initial and ongoing investment and withdrawal amounts, are dictated by the analysis contained in your Retirement Income Plan. As with all stages of our process, income tax consequences are an important consideration when it comes to annuity recommendations.


Life is full of uncertainties and challenges. Planning and managing your retirement income plan, while extremely important, isn’t enough. Unless your retirement income plan is properly protected, your investment assets can be prematurely depleted. Your entire plan can be derailed in a fraction of the time it took to build it.

Retirement Income Center has the experience and expertise to assist you with your income protection needs. We’re here to help you minimize the stress and unpredictability associated with retirement.


Asset-Map is a tool that allows you to see your financial situation on one page. With intuitive mind map-like diagramming, you can understand your finances like never before and make more-informed decisions about your financial future.

5020 Campus Drive
Newport Beach, CA 92660-2120
Phone: (949) 251-0910 or Toll Free: Plan2Retire (844-752-6273)

Email: info@RetirementIncomeCenter.com

Advisory services offered through Retirement Income Center, a Registered Investment Advisor

©2020 Robert Klein and Retirement Income Center. All rights reserved.