Use your assets to create
income in retirement

Investment advisory services built for retirees.

  • Personalized Planning
    We craft a personalized investment plan and an investment mix uniquely designed for your life stage and situation.
  • Longevity Expertise
    Our plan uses a data-driven estimate of your longevity. We know your #1 priority is to never run out of money as long as you live.
  • 401(k)s, Pensions, Social Security, Long-Term Care, Medical Inflation…
    We have an expertise in things beyond investing. Just ask.
  • Stability & Consistency
    We know your number one goal is managing risk. Our plans are designed for stability and consistency.
  • No Hidden Fees or Commissions
    We are 100% transparent. We have one low fee to ensure that our motivation is aligned with the health of your savings.
  • Fiduciary Standard
    We are not brokers. We do not make commission. We act in your best interest. Period.

Try our free planning tool

  • How much money will I have in retirement?

  • How much will I be able to spend each month?

  • How can I produce income for as long as I need it?

contact us

Brian M.

Sarasota, Florida

"True Link's planning tool changed the way I think about my retirement. I feel like I've been freed of the daily worry of how daily worry about how much I should plan to spend as a retiree."

Carol H.

Kansas City, Missouri

"True Link's online retirement tool and sophisticated longevity models are a huge improvement on my homemade spreadsheet. I used to stress about running out of money but now but now I have a plan designed to support me until I'm 105."

Five pillars of smart investing

Best practices combined in one effective approach.

Time-based allocations

Your spending needs result in separate investment allocations for money needed during different years of your life.

Investments and annuities

We use annuities as an insurance vehicle when it makes sense for you, providing lifetime income at a low cost.

Modern Portfolio Theory

We employ modern strategies such as low- cost ETFs to help keep costs low and avoid risk beyond what is inherent in the market.

Bond ladders to help avoid loss

Planning to hold bonds to maturity
can help avoid unnecessary principal loss in a changing interest rate climate.

Personalized to your needs

We account for health and demographic factors, as well as spending needs, because each person has a unique profile.

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“A big plus: You can also talk with one of True Link’s independent human financial advisers who don’t take commissions or sell proprietary products — albeit not face-to-face. These advisers work with customers over the phone or by email."