John Nunes Fortis Insurance Solutions

06/02/2026

Yesterday, we opened the conversation.

A retirement account balance is important.

But it does not answer the question that matters most:

𝗛𝗼𝘄 𝗺𝘂𝗰𝗵 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗶𝗻𝗰𝗼𝗺𝗲 𝗰𝗮𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗽𝗿𝗼𝗱𝘂𝗰𝗲?

That is the question most people avoid until retirement is too close to ignore.

A 401(k), IRA, 403(b), or 457 may show you a number.

But that number does not automatically tell you:

How much you can safely withdraw.

How long your money may last.

What happens if the market drops.

What income your spouse may have if something happens to you.

That is why retirement income planning matters.

If you are within 10 years of retirement and cannot clearly answer the income question, it is time to review your plan.

Message me 𝗜𝗡𝗖𝗢𝗠𝗘.

Let’s find out what your retirement money is actually prepared to do.

06/01/2026

For the past several months, we have been building toward this conversation.

𝗝𝗮𝗻𝘂𝗮𝗿𝘆 was about starting the year with financial clarity.

𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 was about protecting what you are building.

𝗠𝗮𝗿𝗰𝗵 was about understanding the retirement gap.

𝗔𝗽𝗿𝗶𝗹 was about putting the financial pillars in the right order.

𝗠𝗮𝘆 was the wake-up call: a 401(k) is not a retirement plan.

Now 𝗝𝘂𝗻𝗲 begins the next step:

𝗧𝘂𝗿𝗻𝗶𝗻𝗴 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗶𝗻𝘁𝗼 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗶𝗻𝗰𝗼𝗺𝗲.

Because when retirement gets close, the question is no longer just, “𝑯𝒐𝒘 𝒎𝒖𝒄𝒉 𝒅𝒐 𝑰 𝒉𝒂𝒗𝒆?”

The real question is:
"𝑯𝒐𝒘 𝒎𝒖𝒄𝒉 𝒎𝒐𝒏𝒕𝒉𝒍𝒚 𝒊𝒏𝒄𝒐𝒎𝒆 𝒄𝒂𝒏 𝒕𝒉𝒊𝒔 𝒎𝒐𝒏𝒆𝒚 𝒂𝒄𝒕𝒖𝒂𝒍𝒍𝒚 𝒑𝒓𝒐𝒅𝒖𝒄𝒆?"

𝐉𝐮𝐧𝐞 𝟏 𝐛𝐞𝐠𝐢𝐧𝐬 𝐭𝐡𝐞 𝐰𝐚𝐤𝐞-𝐮𝐩 𝐜𝐚𝐥𝐥.

A 401(k), IRA, 403(b), or 457 may show you how much money you have.

But it does not automatically show you how much income you can count on.

And that is the problem.

Retirement is not about having an account.

It is about having a paycheck.

If you are within 10 years of retirement and you do not know how your money will turn into monthly income, this is the conversation you need to have.

Message me 𝐈𝐍𝐂𝐎𝐌𝐄.

Let’s see if your retirement money is actually ready to do its job.

05/28/2026

𝐌𝐀𝐘: 𝐑𝐄𝐓𝐈𝐑𝐄𝐌𝐄𝐍𝐓 𝐖𝐀𝐊𝐄-𝐔𝐏 𝐂𝐀𝐋𝐋

𝐋𝐢𝐟𝐞 𝐝𝐨𝐞𝐬 𝐧𝐨𝐭 𝐰𝐚𝐢𝐭 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐩𝐥𝐚𝐧 𝐭𝐨 𝐛𝐞 𝐫𝐞𝐚𝐝𝐲.

That is the part most people do not think about.

They keep waiting.

Waiting for the market to settle down.

Waiting for the right time.

Waiting until retirement gets closer.

But retirement income planning should not begin when you are already under pressure.

Your money needs answers before life forces the question:

Can it create income?

Is any of it protected?

How long may it last?

What happens when the paycheck stops?

If your retirement plan still depends on hope, delay, or market timing, it may be time for a reset.

𝐉𝐮𝐧𝐞 𝐢𝐬 𝐜𝐨𝐦𝐢𝐧𝐠.

And in June, we are going to focus on one major question:

𝐇𝐨𝐰 𝐝𝐨 𝐲𝐨𝐮 𝐭𝐮𝐫𝐧 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐢𝐧𝐭𝐨 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐢𝐧𝐜𝐨𝐦𝐞?

Message me “RESET” and let’s review what your money is actually built to do.

John Nunes
Fortis Insurance Solutions
(800) 900-3150
www.FortisInsuranceSolutions.com

05/26/2026

Freedom is never free — it was paid for by the brave men and women who gave everything so we could live, worship, work, and dream in peace.

This Memorial Day, we remember their sacrifice with deep gratitude, and we honor the families who carry their legacy forward.

05/21/2026

𝐁𝐨𝐨𝐤: 𝐄𝐜𝐜𝐥𝐞𝐬𝐢𝐚𝐬𝐭𝐞𝐬
𝐏𝐢𝐥𝐥𝐚𝐫: 𝐑𝐞𝐭𝐢𝐫𝐞
𝐕𝐞𝐫𝐬𝐞: 𝐄𝐜𝐜𝐥𝐞𝐬𝐢𝐚𝐬𝐭𝐞𝐬 𝟓:𝟏𝟗

“Moreover, when God gives someone wealth and possessions, and the ability to enjoy them, to accept their lot and be happy in their toil—this is a gift of God.”

This verse carries a powerful retirement planning message:

𝐈𝐭 𝐢𝐬 𝐧𝐨𝐭 𝐞𝐧𝐨𝐮𝐠𝐡 𝐭𝐨 𝐣𝐮𝐬𝐭 𝐛𝐮𝐢𝐥𝐝 𝐰𝐞𝐚𝐥𝐭𝐡.

A strong financial plan should also help you enjoy what you have worked so hard to build.

Too many people spend decades accumulating assets, but never create a strategy for how those assets will support life in the later years.

Retirement planning should help answer:

✔ Will my income support my lifestyle?
✔ Can I enjoy retirement with confidence?
✔ Is my money structured with purpose?
✔ Do I have control over how resources are used?

𝐖𝐡𝐲 𝐈𝐭 𝐅𝐢𝐭𝐬:

This aligns with the 𝐑𝐞𝐭𝐢𝐫𝐞 pillar because retirement should not just be about reaching the finish line. It should be about having income designed to support peace, enjoyment, and stability in the years ahead.

It also connects with 𝐁𝐚𝐧𝐤 because wise stewardship and financial structure create control.

And it connects with 𝐋𝐞𝐯𝐞𝐫𝐚𝐠𝐞 because properly positioned resources can be used intentionally, rather than reactively.

A strong plan should not only help you accumulate.

It should help you enjoy.

📞 (800) 900-3150
🌐 www.fortisinsurancesolutions.com

05/21/2026

𝐘𝐨𝐮𝐫 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐩𝐥𝐚𝐧 𝐬𝐡𝐨𝐮𝐥𝐝 𝐝𝐨 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐠𝐫𝐨𝐰 𝐦𝐨𝐧𝐞𝐲.

It should help protect your lifestyle.

Because when work stops, the real question is not just how much you saved.

It is:

𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐢𝐧𝐜𝐨𝐦𝐞 𝐜𝐚𝐧 𝐲𝐨𝐮 𝐜𝐨𝐮𝐧𝐭 𝐨𝐧?

A market-based account may give you opportunity.

But an annuity may help give you something many retirees want even more:

𝐑𝐞𝐥𝐢𝐚𝐛𝐥𝐞 𝐢𝐧𝐜𝐨𝐦𝐞.
𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐞𝐝 𝐩𝐫𝐢𝐧𝐜𝐢𝐩𝐚𝐥 𝐨𝐩𝐭𝐢𝐨𝐧𝐬.
𝐂𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐜𝐞 𝐟𝐨𝐫 𝐥𝐢𝐟𝐞.

Retirement is not just about having money.

𝐈𝐭 𝐢𝐬 𝐚𝐛𝐨𝐮𝐭 𝐡𝐚𝐯𝐢𝐧𝐠 𝐢𝐧𝐜𝐨𝐦𝐞 𝐲𝐨𝐮 𝐜𝐚𝐧𝐧𝐨𝐭 𝐨𝐮𝐭𝐥𝐢𝐯𝐞.

DM me “𝐈𝐍𝐂𝐎𝐌𝐄.”

05/21/2026

𝐌𝐀𝐘: 𝐑𝐄𝐓𝐈𝐑𝐄𝐌𝐄𝐍𝐓 𝐖𝐀𝐊𝐄-𝐔𝐏 𝐂𝐀𝐋𝐋

𝐘𝐨𝐮𝐫 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐠𝐚𝐩 𝐝𝐨𝐞𝐬 𝐧𝐨𝐭 𝐜𝐥𝐨𝐬𝐞 𝐢𝐭𝐬𝐞𝐥𝐟.

Once you know there is a gap, the next question is simple:

What are you going to do about it?

A gap does not disappear because you ignore it.

It does not disappear because the market has a good year.

It does not disappear because you keep hoping things will work out.

A retirement gap needs a strategy.

Income.
Protection.
Liquidity.
Growth.

If your guaranteed or predictable income is not enough to cover what you need, then your plan needs to show how that gap may be addressed.

Because retirement does not reward avoidance.

It rewards preparation.

𝐈𝐟 𝐭𝐡𝐞𝐫𝐞 𝐢𝐬 𝐚 𝐠𝐚𝐩, 𝐢𝐭 𝐧𝐞𝐞𝐝𝐬 𝐚 𝐩𝐥𝐚𝐧.

Message me “RESET” and let’s review how your retirement income gap may be addressed.

John Nunes
Fortis Insurance Solutions
(800) 900-3150
www.FortisInsuranceSolutions.com

05/20/2026

05/20/2026

𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐢𝐧𝐜𝐨𝐦𝐞 𝐬𝐡𝐨𝐮𝐥𝐝 𝐛𝐞 𝐫𝐞𝐥𝐢𝐚𝐛𝐥𝐞.

Not emotional.
Not unpredictable.
Not dependent on whether the market decides to cooperate.

Yet millions of people are still approaching retirement with plans built around uncertainty.

𝐓𝐡𝐚𝐭 𝐢𝐬 𝐧𝐨𝐭 𝐚 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲.
𝐓𝐡𝐚𝐭 𝐢𝐬 𝐚 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐫𝐢𝐬𝐤.

Annuities can help provide:
• Guaranteed lifetime income
• Protected principal options
• Greater retirement certainty
• Confidence when work stops

𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐬𝐡𝐨𝐮𝐥𝐝 𝐛𝐞 𝐛𝐮𝐢𝐥𝐭 𝐨𝐧 𝐢𝐧𝐜𝐨𝐦𝐞.
𝐍𝐨𝐭 𝐚𝐬𝐬𝐮𝐦𝐩𝐭𝐢𝐨𝐧𝐬.

DM me “𝐈𝐍𝐂𝐎𝐌𝐄.”

05/20/2026

𝐌𝐀𝐘: 𝐑𝐄𝐓𝐈𝐑𝐄𝐌𝐄𝐍𝐓 𝐖𝐀𝐊𝐄-𝐔𝐏 𝐂𝐀𝐋𝐋

𝐈𝐟 𝐲𝐨𝐮 𝐝𝐨 𝐧𝐨𝐭 𝐤𝐧𝐨𝐰 𝐭𝐡𝐞 𝐠𝐚𝐩, 𝐲𝐨𝐮 𝐜𝐚𝐧𝐧𝐨𝐭 𝐟𝐢𝐱 𝐭𝐡𝐞 𝐩𝐥𝐚𝐧.

A lot of people are focused on what they have saved.

But retirement is not only about what you have.

It is about what your money needs to produce.

If you need $6,000 per month to live, but your guaranteed income only provides $3,500, then you have a gap.

That gap matters.

Because bills do not care about your balance.

Groceries do not care about your statement.

Healthcare does not care about market timing.

And retirement does not care that you were hoping things would work out.

𝐘𝐨𝐮 𝐜𝐚𝐧𝐧𝐨𝐭 𝐟𝐢𝐱 𝐚 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐠𝐚𝐩 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐧𝐨𝐭 𝐦𝐞𝐚𝐬𝐮𝐫𝐞𝐝.

Message me “RESET” and let’s review your retirement income gap.

John Nunes
Fortis Insurance Solutions
(800) 900-3150
www.FortisInsuranceSolutions.com