A framework for your retirement income strategies.


Retirement planning has traditionally been divided into two phases — the accumulation phase (in which you build your assets) and the income phase (in which you draw on these assets to support your lifestyle).

But what this model neglects is an important transition phase that falls between these two and is roughly five to 10 years before retirement. To help you during this crucial period, when you should be beginning the process of turning your assets into long-term guaranteed income, Allianz Life has developed a simple model called the "4 C's."

The 4 C's framework provides an uncomplicated process to help you and a trusted financial professional work through the complexities of retirement income planning:

  • Clarity begins with fact gathering, looking at your sources of present and future income, and how longevity and other factors could affect retirement savings.

  • Comfort involves identifying your desired lifestyle for what could be several decades of retirement living.

  • Cost of living evaluates the impact of inflation on retirement savings.

  • Certainty is about managing those things we know to be true about the future — that life expectancies are increasing and market volatility will continue — with solutions that can provide guaranteed lifetime income.

Allianz Life Insurance Company of North America and Allianz Life Insurance Company of New York offer a full range of financial solutions to help you through all three phases of the retirement timeline, and help provide a level of financial certainty you're seeking to truly enjoy your retirement. All guarantees are backed by the financial strength and claims-paying ability of the issuing company. Variable annuity guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

Setting goals with an informed financial professional — one who takes the time to know your lifestyle and understand your expectations — can make all the difference to your retirement outcome.