Budgeting

Realize more goals with a personalized spending plan

Personalized Spending Plans

You’ve worked hard to save money. In retirement, you get to spend it! Did you know that spending in retirement can go up or down in any given year by as much as 50 percent? Most retirees will experience sudden, large expenses one year followed by fewer expenses the next.

Determining your expected spending is perhaps the single most important part of planning for retirement. A rule of thumb, like “Spend 85% of your pre-retirement salary,” just won’t cut it. We’ve done the research to project how your spending will change throughout retirement and used our analysis to build sophisticated technology that creates personalized spending plans for our members.

Personalized Health Expense Planning

Everyone has a different health profile, which means everyone will face different health care costs. At United Income, our members receive a personalized health spending projection and a plan for managing their money to cover those future expenses. We do the work to update this projection based on changes to your health, the market, and other variables. You get to worry about one less thing.

Dreams and Experiences

Retirement is about more than covering basic expenses. Retirement is the dream that you’ve been working toward. United Income helps you spend it. We incorporate your dreams and goals into your personalized financial plan. Whether your dream is to travel around the world, go on safari, sit on the beach with your grandkids, or spend a month living with monks in Tibet, United Income aims to help you bring your dreams to life.

Keep the Lights On

No matter how wealthy you are and no matter how many dreams you have, we all want to keep the lights on. Intelligent planning for your basic expenses, like housing, utilities, and food, is at the heart of every financial plan we create. We use our proprietary technology to help ensure you reach these basic goals.