Gifts That Pay You Income

Charitable Gift Annuities (CGAs) are a great way to make a lasting difference for ministries while receiving tax-favorable income for you, your spouse and your children. Many supporters prefer charitable gift annuities because of their attractive payout rates and their significant impact.

Charitable Gift Annuities

Charitable Gift Annuities (CGAs) are a great way to make a lasting difference for ministries while receiving tax-favorable income for you, your spouse and your children. Many supporters prefer charitable gift annuities because of their attractive payout rates and their significant impact.

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Charitable Remainder Trusts

Income for life for you and your family while reducing your taxes. By using assets or cash to fund the trust, you receive income and an income tax credit the year in which you transfer your assets. The remaining portion of the trust, after all payments have been made, comes to you.

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Income for Life: The Transition from Accumulator to Steward

The goal isn't just to reach retirement—it’s to stay retired, regardless of market cycles.

For decades, your focus has been Accumulation: growing your accounts as large as possible. But as you enter the "Red Zone" of retirement, the math of your money changes. Your biggest risks are no longer just market crashes; they are taxes, inflation, and the Sequence of Returns.

At Global Investment Strategies, our Income for Life framework provides the technical advocacy to turn your life’s savings into a predictable, inflation-protected "Personal Pension."

The 2026 Retirement Challenge: The Death of the 4% Rule

The traditional "4% Rule" for withdrawals was designed for a different era. With today’s market volatility and shifting interest rates, relying on a fixed withdrawal percentage can be dangerous. We utilize modern annuities not as "investments," but as income insurance to bridge the gap between your Social Security and your desired lifestyle.

Three Pillars of Income Stewardship

1. The Psychology of the Shift

The transition to stewardship requires a move away from market anxiety toward intentionality. A steward's primary concern is not the 'daily ticker,' but the 'dependable check.' This is where the strategy of 'Income for Life' becomes the foundation of your legacy.

2. Fixed Indexed Annuities (FIA): Growth with Protection

Longevity Protection: Ensuring you cannot outlive your principal, no matter how long your retirement lasts.
The 0% Floor: Using Fixed Indexed Annuities (FIAs) to participate in market growth while ensuring a market drop of 20% results in a 0% loss for you.
Tax-Deferred Efficiency: Allowing your income base to grow without the "drag" of annual taxation, maximizing the compound effect.

3. The Role of the Steward

A steward manages resources for a greater purpose—whether that is family legacy, charitable impact, or personal peace of mind. Income for Life isn't just a financial product; it’s the tool that grants you the freedom to focus on what matters most

Legacy Planning

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Move from Uncertainty to Financial Clarity

Complex financial decisions benefit from experienced and thoughtful execution Schedule a brief date and time to discuss your goals and how we will help.