top of page
IFLM 2024 logo wjhite copy copy.png

"The Income for Life Model prioritizes the management of risks that can reduce or even eliminate your retirement income."

See the sections below for important insights on risks facing retirees.

Shutterstock_2051378318 (1).jpg
Instagram Post (38).png
IFLM 2024 logo black copy.png


Inflation-adjusted income for life.
The movie reveals information that no retiree should be without.

"Timing Risk can cause the loss of tens-of-thousands or even hundreds of thousands in lost retirement income."

IFLM 2023 logo 2 copy copy.png
"Click" Tina and learn about the dramatic danger posed byTiming Risk.
YouTube Thumbnail - 2023-10-17T153314.364.jpg
IFLM 2023 logo 2 copy copy (2).png

"Click" Ted. He has an important message about the financial implications of longevity.

YouTube Thumbnail - 2023-10-17T162631.040.jpg
YouTube Thumbnail - 2023-10-17T170837.634.png

"Click" Mia. She has an important message about two financial principles that every retiree should learn.  

"Don't enter retirement without a formal, written plan for creating your retirement income."

The Income for Life Model provides the personal plan you need.

IFLM 2024 logo black copy.png

"Financial security throughout retirement is a long-term challenge. It's more likely to be attained with a road map to that result."

IFLM 2023 logo 2 (3).png
  • Unsure how you will create your retirement income?

  • How much risk to take?

  • What investments to select?

  • Social Security claiming?

"Click" Linda and watch her explain the Personalized Analysis. 

The Personalized Analysis shows how your savings can be divided into multiple segments, each one earmarked to produce monthly income during various phases of your retirement: years 1-5, 6-10, 11-15, 16-20 and 21-25. The goal is to increase your income as you age.

Your income plan will typically include a "Floor," made up of those income sources which are stable and predictable- Social Security, pensions and income from annuities- and an "Upside," which is that portion of your savings exposed to investment risk. In this way, some of your money is exposed to market-based growth potential, but your base monthly income is always predictable because it is produced by income sources that are not exposed to market risk. This is the key to a disciplined plan that seeks to keep pace with inflation, and that you can keep consistent with throughout retirement and through all economic conditions.


Investments in model strategies may expose the investor to risks inherent with the model and the specific risks of the underlying investment directly proportionate to their allocation. All investments involve the risk of potential investment losses, including the loss of some or all of your principal.

Request a Personalized Analysis of The Income for Life Model. There is no cost or obligation.

 The guarantees associated with annuities are subject to the financial strength of the issuing insurer and the specific terms and restrictions of the applicable policy or contract. The insurance features do not guarantee that the investment will not fluctuate in value.

Advisory services are provided through Creative Financial Designs, Inc., a Registered Investment Advisor, and Securities are offered through CFD Investments Inc., a Registered Broker/Dealer. Member FINRA & SIPC. 2704 South Goyer Rd., Kokomo, IN 46902 (765)453-9600. Richard D'Ambola & Associates LLC is independent of CFD companies.

bottom of page