Retirement Ready with Kim Saunders

11/28/2025

Most people walk into retirement with a big bag of money…
but no real plan for how to turn it into a monthly paycheck.

A 401(k) is a savings tool — not an income plan.

You’ve worked hard to build your 401(k).

Now it’s time to let it work for you—turning a lump sum into monthly income you can count on.

A paycheck is a lot less stressful than a pile of money you have to manage for 25–30 years.

Ready to step through the retirement gates?
Comment PAYCHECK and I’ll calculate your monthly number.

11/15/2025

Turn your 401(k) into a paycheck machine. Here are a few real numbers to show how much monthly income different savings amounts can generate.

In this video, I walk through exactly how much guaranteed lifetime income $100,000, $200,000, $300,000, and $400,000 of your retirement savings can create us...

09/05/2025

🌟 Another Successful Social Security Seminar in the books! 🌟

What a night! Our Social Security seminar was packed with energy, great questions, and valuable insights. 🎯 Members walked away with more clarity, confidence, and strategies to make the most of their benefits.

💡 Events like these are about more than information—they’re about empowering our members to retire with purpose, security, and peace of mind.

📣 A huge shout out to Paul Villanova, Regional Vice President with Trustage Annuities, who absolutely nailed his presentation—
and truly elevated the entire evening with his expertise and energy.

A gigantic THANK YOU to everyone who came out and made the night such a success. We love seeing our members walk away empowered, informed, and excited about their future. 🙌

SAFE FEDERAL CREDIT UNION

08/28/2025

👉 Why are these three people happier after they retire?
Because they all have something most people don’t… a pension.

The truth is, most retirees today don’t get a pension. But you can still create your own predictable retirement paycheck — one that never stops, no matter what the market does.

💡 That’s the real key to a happy retirement.

02/11/2025

Thrilled to receive the 2024 Pathfinder Award! I am deeply grateful for the unwavering support of SAFE FCU, Trustage Management, LPL Financial, my clients, and my family, whose collective efforts have empowered me to reach new heights. Here's to a new year of innovation, growth, and creating a lasting impact.

02/05/2025

Our Social Security seminar, held at SAFE Federal Credit Union last week, drew 62 attendees!!

We appreciate Marshall Heitzman with Trustage for conducting this ⭐️outstanding⭐️ event.

Attendees gained insight into Social Security's inner workings and the rules of the road related to claiming benefits.

09/25/2024

I am sincerely humbled and grateful to have been an original advisory board member to this trailblazing group of accomplished and talented ladies.

I am truly thankful for the opportunity and I look forward to watching S.H.E. grow in its impact and continue to soar as a major life force for good for all women in business in the Sumter community. 💜

09/17/2024

https://cnb.cx/3B8dP4S

Pensions are a thing of the past and 401(k)’s have basically replaced them.

A growing trend is that when folks retire, they typically have a gigantic 401(k) account. That is great and all but one thing is surprising about this.

A lot of folks that retire and have amassed a gigantic 401(k) account - many of these people see the enormous 401(k) balance and are actually scared to spend it. 😳

They are scared to spend it because they are scared the money will run out.

An annuity comes in handy because it allows a person to receive an automatic monthly deposit every month until they die. 🌴

One thing retirees are now considering is carving out a portion of their gigantic 401(k) to be invested in an annuity.

Money that is invested into an annuity will create a monthly income stream the same way a pension does.

It’s worth noting that folks who choose this strategy seem happier overall than those who just stare at a big balance throughout their retirement years .

To add to that, I have never seen a new retiree NOT relieved when their social security income begins.

Rich or poor —> no one complains when their social security income begins.

And that is how an annuity works. Just like social security. An annuity and social security are both sources of guaranteed income that cannot be outlived. 🤑

Longevity annuities are among the best financial deals for seniors who worry about outliving their savings. But behavioral hurdles mean they're little used.

07/02/2024

Had a blast sharing my 'Welcome to the Stock Market' presentation at the June Chapter Meeting for Carolinas Credit Union League! Thanks, Ashley Gee, for the invite! Met some awesome people and had a lot of fun! Hope everyone enjoyed it as much as I did!

06/10/2024

Our “Retiremrnt Problems” Workshop held on June 6th at SAFE Federal Credit Union was a success! ! !

Participants learned the importance of having more than one income stream in retirement.

They learned that if social security is their only direct deposit when they retire, it won’t be enough. 😥

Participants took a risk tolerance quiz and depending on their answers - their scores matched with one of four celebrities; Elon Musk, Oprah Winfrey, Nancy Reagan or Andy Griffith. They learned about investment products that match each risk tolerance category.

The number one concern of retirees is outliving their money. Participants learned how to create a second income stream that they cannot outlive.