Rental income, or a lifetime annuity? A rental property is a fine asset. It just is not the right one for everyone. Learn more Income that
never runs dry, by design
Monica Kim, 17 years advising, walks you through 401(k) and IRA rollovers, lifetime income annuities and long-term care, in plain Korean or English.
17+ yrs
advising on retirement
CLTC®
Long-Term Care certified
Where to start
Start with the topic that matters to you
Each card opens that chapter of the digital guide. Read only what you need, and request a consultation right from the last page.
401(k) & IRA Rollover
Not just moving money. This is where your withdrawal strategy begins. Consolidate scattered accounts and redesign how they work.
Open the guide →MYGA · Fixed-Rate Annuity
A higher fixed rate than a bank CD, with your principal intact and tax deferred until you withdraw. The upgraded CD.
Open the guide →
Lifetime Income
Your own paycheck, arriving every month regardless of the market, however long you live.
Open the guide →
FIA · Indexed Annuity
Principal protected when markets fall, index-linked interest when they rise. Room to grow without the losses.
Open the guide →
Long-Term Care
Care coverage without a lump sum, designed the modern way, so nothing is lost if you never claim.
Open the guide →
Life Insurance
Protection for your family, plus living benefits and cash value you can use while you are still here.
Open the guide →Income Gap Calculator
Each month in retirement, how much will be missing?
Take what you need to live on, subtract Social Security and whatever else you expect, and the remainder is what has to be filled each month. Planning starts with knowing that number.
Income Gap Calculator Each month in retirement,
Each month in retirement,
how much will be missing?
Take what you need to live on, subtract Social Security and whatever else you expect, and the remainder is what has to be filled each month. Planning starts with knowing that number.
1Find your income gap: what you need, minus what you expect
$
$
Monthly income gap
$2,800
$33,600 / year
There is more than one way to close a gap, and which one suits you depends on your age, your assets and your tax situation. I compare what the carriers offer and lay the options out plainly.
Talk through how to close it →This is plain arithmetic. It reflects no specific product rate or payout, and it is not a solicitation.
Why Monica Kim 
Your story comes first, not the product
Retirement and money are hard for everyone, so I never lead with a product. I compare the carriers and point you to the one whose terms serve you best.
Explained in plain Korean
No jargon. I explain U.S. insurance and retirement rules in plain Korean, and in English if you prefer.
Not tied to one carrier
I compare policies across carriers side by side and bring you the terms that work best for you.
Principal protection first
Keeping what you have comes before chasing a return. I focus on products where your deposit is guaranteed.
Still here after the paperwork
The policy is only the start. As your life changes, I review it again and adjust.
YouTube
The complicated parts, explained on video
Annuities, long-term care, 401(k) rollovers. Real retirement stories and the many clients I’ve helped along the way. All in one place, on video.
Articles
Expert columns
Rental income, or a lifetime annuity? A rental property is a fine asset. It just is not the right one for everyone. Learn more One question is enough to start
A consultation does not oblige you to buy anything. Putting your situation in order is my job.
- 1
Call or email
Leave just a name and a number, and I will call you back.
- 2
We talk it through
Not a product pitch. I start with where you stand and what you want to know. Office visit or phone, whichever is easier.
- 3
You decide in your own time
I show you the carriers side by side. Talking it over with your family first is never too late.
