Retirement Income You
Can Never Outlive.
Most financial advisors focus on accumulation. Rodney focuses on protection and income — making sure that no matter how long you live, how the market performs, or what happens to your health, your family is secure.
The retirement risks most advisors ignore:
Sequence-of-Returns Risk
A market drop in the first years of retirement can permanently damage your portfolio — even if it recovers later.
Longevity Risk
A 65-year-old woman has a 50% chance of living past 87. Most retirement plans don't account for 25+ years of expenses.
Long-Term Care Risk
70% of people over 65 will need some form of long-term care. It can cost $80,000–$150,000/year.
Legacy Risk
Without a trust or estate plan, your assets may not go where you intend — and your family may face probate, delays, and disputes.
"Rodney looks at the full picture — not just investments, but protection, income, Social Security, and estate planning. That's rare."
Every Tool You Need
to Protect and Grow Your Wealth.
Indexed Universal Life (IUL)
Tax-advantaged growth linked to market indexes — with a floor at zero, so you never lose principal. Access cash value during life for retirement income, emergencies, or long-term care.
Learn more →Fixed Index Annuities (FIA)
Turn a lump sum into guaranteed lifetime income. Principal protected from market loss. Optional income riders guarantee income you can never outlive, regardless of how long you live.
Learn more →Life Insurance & Final Expense
Term, whole life, and final expense coverage across 30+ carriers. Protect your family, fund a buy-sell agreement, or create a tax-free legacy.
Learn more →Life Settlements
Own a policy you no longer need or can't afford? Sell it on the secondary market for 4–8× the cash surrender value — real cash, tax-advantaged, right now.
Learn more →Social Security Optimization
Claiming at the wrong age could cost you $50,000–$150,000 over your lifetime. As an RSSA® certified analyst, Rodney runs a complete optimization of your claiming strategy.
Learn more →Estate Planning via Trust & Will
Wills, living trusts, advance directives, and POAs through our Trust & Will partnership. Simple, affordable, and done right — so your wishes are honored.
Learn more →How We Build Your Plan
Discovery Call
We start with a free 30-minute conversation about where you are, what you're worried about, and what you want retirement to look like. No financial statements required — just a conversation.
Your Custom Analysis
I build a personalized retirement income analysis: Social Security timing, income gap analysis, protection gap, and estate planning checklist. You leave with a clear picture — not a stack of brochures.
Implementation & Ongoing Support
We implement the strategies that make sense for you — phased, no pressure, no commissions you're pushed into. And I'm your advisor going forward: annual reviews, policy service, and proactive outreach.
What a Real Retirement Review Delivers
$47,000 in cash — from an old policy
Names changed for privacy.
A 71-year-old man in Portland had a $250,000 universal life policy he'd been paying into for 14 years but could no longer afford. Through a life settlement, he received $47,000 in cash instead of lapsing it for $8,000.
$83,000 more in lifetime SS benefits
Names changed for privacy.
A couple in Bend was planning to claim Social Security at 62. A 30-minute RSSA® analysis revealed that waiting 14 months would increase their combined lifetime benefit by an estimated $83,000.
Guaranteed income — market-proof
Names changed for privacy.
A 58-year-old self-employed consultant in Eugene was terrified of a market crash wiping out her retirement savings. We moved a portion of her assets into a fixed index annuity — guaranteed income starting at 67, regardless of what the market does.
Approaching 65?
Medicare and Retirement Planning Go Hand in Hand.
Your healthcare costs in retirement are one of your biggest expenses — and Medicare choices directly affect your retirement income. Let's look at both together.
Explore Medicare & Social Security →
Ready to Build a Retirement
Plan That Actually Protects You?
30 minutes. No cost. No obligation. Just a clear conversation about where you stand and what options you have.
Rodney Cummings, RSSA® · OR License #18847712 · Licensed in 25 States · Independent — not captive to any carrier
Legacy Wealth Services is an independent insurance agency licensed in Oregon and 25 states. OR License #18847712. Insurance products are not bank deposits, not FDIC insured, not guaranteed by any bank, and may lose value. Annuity and life insurance guarantees are backed by the financial strength of the issuing insurance company. Information presented is for educational purposes only. Please consult Rodney for personalized advice.