Guaranteed Income

Secure Income That Lasts — Wisconsin Retirement Solutions

​At Dottenwhy Financial Group, we help Wisconsin families create retirement income strategies designed to last a lifetime. One of the most effective tools to reduce the risk of outliving your savings is the annuity—a product that can provide a reliable income stream, no matter how long you live.

What We Cover Together:

• Breaking down annuity options: We explain the differences between fixed, indexed, and variable annuities in plain language, so you understand the strengths and tradeoffs of each.
• Wisconsin tax advantages: While annuity income is generally taxable, Wisconsin does not tax Social Security income. This creates opportunities to structure annuity payouts alongside Social Security for maximum efficiency. In some cases, retirement income subtractions may also reduce your state tax burden.
• Customizing payment options: From lifetime income guarantees to flexible payout schedules, we review how different annuities can fit your retirement lifestyle in Wisconsin.
• Reviewing the details: We walk you through surrender charges, guarantees, and growth potential so there are no surprises—and you can make informed choices confidently.
• Integration with your full retirement plan: We don’t look at annuities in isolation. Instead, we show you how they complement your Social Security, pensions, investments, and other savings, creating a well-rounded Wisconsin retirement income strategy.

Why It Matters for Wisconsin Retirees

• Longevity risk: Wisconsinites are living longer, often needing retirement income for 25–30 years. Annuities help ensure your money lasts as long as you do.
• Market uncertainty: From inflation to market swings, annuities can provide the security of steady income even in uncertain times.
• Healthcare costs: With Wisconsin ranking above average for long-term care costs, annuities can help provide a dependable income stream to cover these rising expenses without depleting your savings.

Your Retirement, Your Security
By integrating annuities with other retirement income sources, we help you create a balanced strategy that provides both stability and growth potential. Our approach ensures that you have income you can count on—so you can enjoy retirement in Wisconsin with peace of mind.

📞 Schedule your free consultation today and start building the secure income plan you deserve.

Case study - madison couple, ages 62 & 64

John and Mary, a couple from Madison, were preparing to retire. John worked for the state and had a modest pension, while Mary had saved in a 401(k). Together, they worried about two things: rising healthcare costs and making sure their money would last if they lived into their 90s.

• We recommended a fixed indexed annuity for Mary’s 401(k) rollover. This gave them:
  • A guaranteed lifetime income stream.
  • Growth potential tied to market performance, but with protection against losses.
• Combined with John’s pension and their Social Security benefits (which are not taxed in Wisconsin), their retirement income became both predictable and tax-efficient.
• The annuity also offered an option for long-term care coverage, helping them feel more confident about future health needs.

Today, John and Mary have peace of mind knowing their income is secure, their taxes are minimized, and their retirement lifestyle is sustainable for decades to come.

case study: milwaukee professionals retiring early, ages 58 & 60

David and Lisa, a professional couple from the Milwaukee suburbs, wanted to retire early and enjoy more time traveling and spending summers at their lake home in Door County. With most of their assets tied up in 401(k)s and IRAs, they were concerned about withdrawing too much too soon, facing tax penalties, and running out of income before age 70.

• We recommended allocating part of their retirement savings into a deferred income annuity (DIA). This created a guaranteed income stream beginning at age 65, which allowed them to bridge the gap until they could claim Social Security.
  
• To cover their income needs in the meantime, we helped structure systematic withdrawals from their taxable investment accounts, keeping their tax burden lower.
  
• Because Wisconsin does not tax Social Security income, we also built a strategy to delay claiming until age 70, locking in higher lifetime benefits.
  
• Their annuity provided predictable income starting when healthcare and long-term costs are likely to rise, while their investments gave them flexibility in the early retirement years.
  

Now, David and Lisa enjoy their early retirement lifestyle with confidence, knowing their future income is guaranteed, their tax liability is managed, and they can focus on family and travel without worrying about running out of money.