Income You Can Count On
Insurance-based strategies to help make sure your money lasts as long as you do — explained in plain English, not sales language.
Why Retirement Income Planning Matters
Saving for retirement is one skill. Turning those savings into income that lasts is a different one. Burke Insurance Group helps you look at insurance-based income tools — like annuities — that can provide guaranteed income alongside your Social Security, pension, and investments. We’re not a securities broker or investment advisor, and we won’t tell you how to invest your portfolio — but if guaranteed income is part of your plan, this is exactly what we do, at no cost to you.
Based in Palm Beach Gardens, we work with retirees throughout South Florida — including Jupiter, Palm Beach Gardens, North Palm Beach, Palm Beach, West Palm Beach, Boynton Beach, Delray Beach, and Boca Raton — as well as clients nationwide across the 22 states where we’re licensed.
Is This You?
- You’re within a few years of retirement, or already retired, and want to know your income is covered
- You’re worried about outliving your savings
- You want part of your retirement income to be guaranteed, not dependent on market performance
- You’re already working with a financial advisor on investments and want a second set of eyes specifically on the income/insurance side
- You want to understand how Social Security timing, pensions, and other income sources fit together with what an annuity could add
How We Approach Retirement Income
Fixed & Fixed Indexed Annuities
Contracts with an insurance company that can provide guaranteed income for a set period or for life, with principal protection from market downturns. Growth potential is typically more limited than direct market investment, which is the trade-off for the guarantee.
Income Riders
Optional add-ons to certain annuities that guarantee a stream of lifetime income, even if the underlying account value is drawn down to zero — a way to build a “personal pension” from your own savings.
Coordinating With What You Already Have
We look at your Social Security, any pension, and your other income sources first, then talk through where a guaranteed-income product might fill a gap — rather than starting the conversation with a product to sell.
How It Works
1. Free Consultation
We talk through your income sources, expenses, and what “enough” looks like for your retirement.
2. We Compare Options
We review annuity and income-guarantee options across the carriers we work with and walk through the real trade-offs — liquidity, fees, guarantee strength — without the jargon.
3. You Decide, We Handle the Rest
If you move forward, we manage the paperwork and stay available as your circumstances change.
Why Work With Burke Insurance Group
- One agency for Medicare, life insurance, long-term care, and retirement income planning
- Licensed in 22 states — helpful if you’re planning for yourself or a parent in another state
- No cost to you for a consultation — we’re paid by the carrier, not by you
- No call centers — you talk to a real person who knows your situation
- We’ll tell you plainly if an annuity isn’t a fit for your situation — we’d rather be useful once than sell you something wrong
Retirement Income FAQ
Most annuities allow some penalty-free withdrawals each year, but taking out more than that, or cashing out early, can trigger surrender charges for a set number of years. We’ll walk through the specific liquidity terms before you commit to anything.
No. Annuities are used across a wide range of savings levels — the right size (if any) depends on your income gap and goals, not a minimum net worth.
No. We’re an insurance agency, not a securities broker or registered investment advisor, so we don’t manage stocks, bonds, or mutual funds. We focus specifically on insurance-based guaranteed income tools and are happy to work alongside a financial advisor you already have.
A 401(k) or IRA is an account type that holds investments you choose (or a firm manages), with returns tied to the market. An annuity is a contract with an insurance company that can convert a lump sum into a guaranteed income stream — the guarantee is the main trade-off for typically lower growth potential than direct market investing.
Protect Your Savings and Your Family
A free consultation costs you nothing and gives you real numbers to plan around.
This information is for general educational purposes and is not personalized financial, tax, or legal advice. Cost estimates are national medians based on the CareScout 2025 Cost of Care Survey and will vary by location. Product availability and underwriting requirements vary by carrier and by state.
Contact
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.