30+Years guiding retirees
Three interactive tools. No account set up required. Pick the worry that fits you and get a personalized, educational report on screen in seconds, at no cost.
Will your guaranteed income cover your monthly essentials? Find your monthly gap.
Will your money outlast you in a bad market? Stress-test it and see the odds.
Already own an annuity? Get a second opinion on what you own and what it costs.
All three tools run right here in your browser — no download, no account, and nothing leaves the page until you ask for your results.
“After years of sitting across the table from people on the edge of retirement, I learned the question that actually keeps them up at night isn’t “How’s my portfolio doing?” — it’s “Will I run out of money?””
Vivien T. Adao is dedicated to helping individuals, families, and retirees create, preserve, and protect their wealth. Her success is built on a personalized approach, helping clients select financial and insurance solutions tailored to their unique goals and circumstances. She believes that while each component of a financial plan is important, coordinating them into a comprehensive strategy is essential to long-term financial success.
As a Certified Infinite Banking Concept Practitioner and Retirement Income Planning Specialist, Vivien helps clients build financial confidence through proven wealth-building and income-planning strategies. She specializes in creating guaranteed retirement income solutions, asset protection strategies, and private family banking concepts designed to help clients achieve greater financial security and independence.
In today’s uncertain economic environment, Vivien is committed to helping clients safeguard their assets while positioning them for sustainable growth. Her mission is to build lasting relationships founded on trust, integrity, and personalized service.
From wealth accumulation to retirement income planning and asset conservation, Vivien provides comprehensive guidance with no upfront fees. She is passionate about helping clients create a stronger financial future for themselves and their families. When not working, she enjoys reading and spending time with her family.
We never start with what to buy. We start with your retirement paycheck — what's guaranteed, what's at risk, and where the gap is. The right solution reveals itself once the need is clear.
I'll show you plainly how I'm paid, what every option costs, and the trade-offs involved — including when the smartest move is to do nothing at all.
Already own an annuity or have a plan in place? I'll give it a straight review. Sometimes that means confirming you're in good shape. My reputation matters more than any single sale.
Pinpoint the difference between your guaranteed income and your essential expenses — and build a plan to close it for life.
Handed a buyout offer? It's a one-time, irreversible choice. We weigh the monthly check against the lump sum carefully.
Large pre-tax balances can create surprise tax bills. We plan withdrawals to keep more of what you've saved.
When you claim can mean tens of thousands of dollars. We model the options against your full income picture.
An honest, unbiased health check on what you already own — costs, surrender status, and whether it still fits your plan.
Worried about a downturn early in retirement? We stress-test your plan and add guarantees where they earn their keep.
Bring your questions — about income, Social Security, an annuity you own, or just whether you're on track. The first conversation is always free, and there's never an obligation.
Schedule My Free Review