YOUR LEGACY I
Discover how retirees are using guaranteed income, tax-free strategies, and living benefit protection to secure peace of mind and never outlive their money.
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Trusted by industry leaders — As featured in
The 3 Silent Killers of Your Retirement Plan
You've spent years saving, sacrificing, and preparing for retirement. But what if the plan you're counting on doesn't work when you need it most?
The Market Crash Risk
What Happens If the Market Crashes Right After You Retire?
If the market drops 25–30% the year you retire, your portfolio may never recover. This is called Sequence of Returns Risk — and it's the #1 way retirees run out of money too soon.
potential portfolio loss at retirement
The Inflation Erosion
Your Retirement Budget May Cost Twice as Much in 15 Years
Inflation quietly erodes your buying power over time. The $5,000/month you need today could become $8,000 or more just to maintain the same lifestyle.
cost increase in 15 years
Taxes on the Rise
Will Higher Taxes Devour Your Retirement Savings?
Most retirement accounts are tax-deferred, not tax-free. That means Uncle Sam is your silent partner — and he hasn't told you what his share will be yet.
potential future tax bracket
You don't have to face these threats alone. Our retirement strategy combines Guaranteed Lifetime Income, Tax-Free Growth, and Protection from Market Risk.
Which Describes You Best?
Life Insurance Built for Real Life
Term Life · IUL · Living Benefits
What happens to your family if something happens to you tomorrow?
Most Americans are underinsured — or have the wrong type of coverage. We help you get the right protection at the right price, with policies that include living benefits so your money works for you during your lifetime too.
- Income replacement if you pass away
- Living benefits — access funds for critical illness
- Tax-free cash value growth with IUL
- Coverage that pays out — even while you're alive
Never Run Out of Money in Retirement
Fixed Indexed Annuities · Income Riders · Guaranteed Lifetime Income
What if your paycheck in retirement was guaranteed — for life?
Annuities are the most misunderstood — and most powerful — tool in retirement. A properly structured Fixed Indexed Annuity gives you market-linked growth with zero downside risk, plus income you cannot outlive.
- Guaranteed income you can never outlive
- Market-linked growth with NO market losses
- Turn your 401(k) into a personal pension
- Inflation protection built in
The 3-Pillar Retirement Blueprint
A proven system to eliminate worry and build a retirement you can count on.
Guaranteed Income for Life
Secure a steady paycheck through a Guaranteed Income source. Your own Pension Plan, also protected from market downturns.
- Covers essential expenses
- Replaces lost pensions
- Never stops paying — no matter how long you live
Tax-Free Growth & Living Benefits
Use an Indexed strategy policy to grow cash value tax-free, and access money during illness or emergencies.
- Access funds tax-free
- Protects your family and finances
- Living benefits for chronic or terminal illness
Legacy & Liquidity Planning
Structure your accounts to leave a lasting legacy while keeping your money accessible.
- Leave a tax-free inheritance
- Avoid probate and confusion
- Maintain liquidity for life's needs
Here's Exactly What You Get
on Your Free Strategy Call
In 30 minutes, you'll leave with more clarity about your retirement future than most people have after years of guessing.
Your Retirement Gap Analysis
We calculate exactly how much guaranteed income you need — vs. what you have.
Tax Savings Projection
See how much tax-free income you could generate using IUL and annuity strategies.
Social Security Optimization
Find out if you're leaving money on the table with your current claiming strategy.
A Personalized Blueprint
Walk away with a clear, written action plan — whether you work with us or not.
Is there any cost?
100% free. No obligation, ever.
How long does it take?
Just 30 minutes over phone or Zoom.
Will I be sold something?
No pitch. Just expert analysis of your situation.
Who is this for?
Best for ages 45–70 planning for or entering retirement.
Reserve Your Free Retirement Strategy Session
Spots are limited each week. Secure yours before they're gone.
Book My Free Session →Or call: (404) 697-6066No credit card. No commitment. 100% confidential.
The Retirement Gap Calculator
Discover the gap between where you are and where you need to be for a worry-free retirement.
Trusted by Families Nationwide
"Legacy Income Advisory completely transformed our retirement outlook. We went from constant worry about outliving our savings to having guaranteed income for life. The peace of mind is invaluable."
Robert & Linda M.
Guided by Expertise,
Driven by Legacy
With over 25 years of dedicated experience in retirement planning and life insurance, our team has helped thousands of families architect their financial futures with confidence and clarity.
We don't sell products — we build personalized retirement blueprints that protect your wealth, minimize your tax burden, and ensure your legacy endures for generations. Every strategy is tailored to your unique situation because your retirement is unlike anyone else's.
25+
Years Experience
2,500+
Families Protected
$500M+
Assets Under Guidance
100%
Fiduciary Standard
Schedule Your Free Strategy Session
In just 30 minutes, we'll review your current retirement plan, identify gaps, and outline a clear path to financial confidence. No obligation, no pressure — just expert guidance.
Call Us
(404) 697-6066
mtolani@shivohfinance.com
Offices
Atlanta, GA · Birmingham, AL · Columbus, OH