Retirement.
The best plan
is aligned to you.
Retirement.
The best plan
is aligned to you.
Retire with Confidence
A Smarter Approach to Growing, Protecting, and Enhancing Your Wealth
Your retirement strategy should do more than just sustain you—it should give you financial security and peace of mind for life.
Capture market growth without the risk of losses
Secure a reliable income that lasts a lifetime
Protect your wealth from inflation, taxes, and market downturns
Your future deserves a plan designed for success.
Investing in Retirement Requires a New Mindset
As you enter this next stage, the landscape changes drastically. These risks can no longer be overlooked:
The Unpredictable Nature of the Stock Market
The Persistent Threat of Inflation
The Burden of Taxes
Conventional planning methods simply don’t account for the full picture. And in retirement, the stakes are higher than ever.
The Game Changes in Retirement
Without a strategy to address these challenges, you may face:
The Risk of Running Out of Money
The Risk of Losing Your Lifestyle
The Risk of Not Finishing Strong
Retirement isn’t just about making ends meet. It’s about protecting your lifestyle, ensuring your legacy, and finishing strong for the people and causes you care about most.
The Shift from Growth to Income
Everything you’ve been doing up until now gets reversed:
From Receiving a Steady Paycheck to Creating Your Own Paycheck
From Fixed Timelines to Unpredictable Horizons
From Market Volatility as a Growth Tool to Market Volatility as a Threat
Suddenly, the same tools and strategies you relied on during your working years may feel like a gamble.
Let’s Secure Your Retirement with Confidence
Your retirement isn’t just a phase—it’s your reward for decades of hard work. Together, we’ll create a strategy that ensures your income works as hard as you did, so you can embrace retirement with confidence and purpose.
The InPlay Retirement Difference
InPlay Retirement Aligns Your Retirement Income Approach to Your Lifestyle
We understand that no single retirement approach is right for everyone. Aligning your retirement income plan to your lifestyle offers confidence and clarity, ensuring your quality of life and peace of mind.
As you transition into retirement, you encounter challenges faced during your working years such as the
Stock markets unpredictable ups and downs
Relentless pressure of inflation
Significant impact of taxes
But in retirement, these risks must be addressed in the context of
Longevity
Lifestyle
Liquidity
Legacy
We empathize with any anxiety the transition to retirement brings
Like you, we hear the noise created by the media and self-proclaimed experts.
Instead of getting caught up in the noise, we focus on a crucial element often missing
from retirement strategies: an approach that aligns your retirement income with your
retirement lifestyle.
The common approach? Withdraw 4% of your assets in your first year of retirement, adjusting for inflation afterward.
But let’s be honest
And it is just common sense.
Retirement requires more than just a plan to "get by." It demands a comprehensive income strategy to navigate the challenges ahead.
Traditionally, wealth management focuses on asset accumulation, leaving retirees ill-prepared for the critical transition from their Growth to Income Stage.
Neglecting to address risks in the context of longevity, lifestyle, liquidity, and legacy leads to costly and ongoing revisions of retirement strategies increasing stress and uncertainty.
But it doesn’t have to be that way.
By addressing these challenges, you can take proactive steps to secure a stable retirement
Meet Mark Sherwin
Your Guide to a Protected Retirement
Mark is your dedicated guide for retirement income planning. With degrees in International Business and German from the University of Florida, Eckerd College, and the University of Freiburg in Germany, his diverse educational background provides a global perspective on retirement planning.
Over the thirty-plus years in the financial arena, Mark has held numerous certifications and licenses that enhance his ability to assist clients in retirement.
Licenses Mark Has Held:
Series 7 Securities License
Series 24 Securities Principal License
Series 65 Registered Investment Advisor
Series 214 Life Insurance License
Designations Mark Has Held:
Certified Estate Planning Practitioner (CEPP)
Certified Senior Advisor (CSA)
Certified Wealth Mentor (CWM)
Traditionally, wealth management has focused on asset accumulation, leaving retirees ill-prepared for the critical transition from their Growth Stage to their Income Stage. The outdated method of withdrawing 4% of retirement assets in the first year of retirement and adjusting for inflation is merely a withdrawal tactic; it is not an income strategy..
Neglecting to tackle the new retirement risks can lead to costly, ongoing revisions that increase stress and uncertainty.
But it doesn’t have to be that way.
By addressing these challenges and their multiple permutations, you can take proactive steps to secure a more stable retirement
We empathize with any anxiety this transition brings
Like you, we hear the noise created by the media and self-proclaimed experts.
Instead of getting caught up in the noise, we focus on a crucial element often missing from retirement strategies: an approach to protect the growth of your investments and generate income.
And it is just common sense.
As Featured In
Trusted by Industry Leaders and Featured on Renowned Platforms
The Stay InPlay Process
The Stay InPlay Process aligns your retirement strategy to your lifestyle.
Solves The Problem Of Scattershots Investments.
Zeros In Your Spending Goals, Generating Custom-Tailored Income Solutions.
Captures The Multifaceted Aspects of Retirement Plan.
Measures the Various Factors Regarding How You'd Like To Protect Your Investments And Generate Income.
Translates Your Growth and Income Preferences Into A Snapshot Of Appropriate, Viable Approaches That Fit Your Lifestyle.
A Powerful Partnership for Your Retirement Income Strategy
Over the past 30 years, the worlds of investment and insurance have merged in innovative ways. Leading bond and equity index providers have partnered with insurers to develop strategies that offer exceptional advantages for retirement planning.
With these solutions, you can:
Experience the upside of market gains without suffering losses
Enjoy tax-advantaged growth and income security
Transfer stock market risks to insurers for greater peace of mind
A handful of stock and bond index providers that have teamed with insurers include:
By utilizing these protected indices, you can build a resilient retirement income plan that offers both market potential and financial security.
THE PEAK 65 Generation
What others are saying
Robin Beymer
Dyer, IN, School Nurse retiring in 2024
Jeff and Milly Smith
Watertown, NY, Phsiicians Assistants – not yet retired
Grow Your Retirement Portfolio While Staying Protected
Enjoy peace of mind knowing your retirement portfolio can grow with the market while remaining protected from losses. Even during market downturns, your investments are shielded—so you can focus on enjoying retirement without financial stress.
No Losses During Market Declines – Your portfolio is safeguarded from stock market drops.
Tax-Advantaged Growth – You only pay taxes on the gains you withdraw, not on your total portfolio growth.
More Wealth for Your Future – A balanced approach ensures lasting financial security.
Retirement Income Strategy: A Vital Piece of the Retirement Puzzle
In retirement planning, the most powerful tools are diversification and reliable income strategies
Retirement income strategy have become an essential slice of the retirement pie for Americans planning for a stable future. As a key part of a well-structured retirement income plan, these financial tools work alongside other investments to provide long-term financial security.
Unlike traditional investments, retirement income strategy combine insurance and investing in a single, strategic solution—offering both protection and predictable income.
The best of both worlds
retirement incon strategy offer a range of flexible benefits, including:
Lifetime income: Annuities offer various guaranteed income options starting immediately or later. With innovation, income can be indexed to inflation or increase with positive market performance.
Growth potential: A wide variety of stock and bond indices exist. Protected growth annuities include the benefit of locking in your credited gains, and the contract value will not decrease due to negative market performance.
Tax-deferral: Taxes can have a big impact on long-term investment returns, making the benefit of a tax-deferred annuity especially attractive for high-net-worth and affluent investors.
Legacy options: Many annuity contracts offer special benefits to provide death benefit protection for loved ones.
Aligning Your Retirement Strategy to Your Lifestyle
fundamentally enhances retirement satisfaction with:
Reduced Spending Anxiety
A reliable income stream alleviates longevity risk, giving retirees the confidence that their funds will last.
Enhanced Retirement Confidence
With protected growth and income, retirees can easily manage a budget, eliminating the stress of depleting savings.
Protect Less Financially Savvy Spouses
In many households, one spouse manages the finances. If that spouse passes away or experiences cognitive decline, protected growth and income provides security for the surviving spouse, ensuring their ongoing needs are met.
Empowered Spending
Protected growth and income allows retirees to spend more freely and enjoy life without anxiety about market ups and downs. This stability increases retirement satisfaction, enabling even the most affluent retirees the freedom to enjoy this rewording phase of life.
Addressing the new retirement risks gives you confidence and clarity. Ignoring the new retirement risks can lead to costly, ongoing adjustments that increase stress and uncertainty.
Take Control of Your Preferences for Sourcing Your Retirement Income
Gain Clarity and Confidence Knowing Your Lifestyle is Protected
Take Control of Your Retirement Income
We will listen to you and discuss how to personalize your retirement income strategy
THE BEST OF BOTH WORLD
Inplay Retirement Offer a Range of Flexible Benefits, Including:
Lifetime
income
Inplay Retirement offer various guaranteed income options starting immediately or later. With innovation, income can be indexed to inflation or increase with positive market performance.
Growth
potential
A wide variety of stock and bond indices exist. Protected growth Income include the benefit of locking in your credited gains, and the contract value will not decrease due to negative market performance.
Tax-
deferral
Taxes can have a big impact on long-term investment returns, making the benefit of a tax-deferred income especially attractive for high-net-worth and affluent investors
Legacy
options
Many retirement income contracts offer special benefits to provide death benefit protection for loved ones.
Optimize Your Retirement Strategy to Secure and Boost Your Income
Uncover Your Preferred Sources for Generating Retirement Income
Achieve a Seamless Balance Between Your Retirement Income Strategy and Lifestyle
Gain Assurance and Clarity in Maintaining Your Quality of Life
Discover a remarkable transformation:
Before Aligning Their Retirement Strategy to Their Lifestyle
many retirees felt anxious about their spending decisions and worried they could jeopardize their future lifestyle.
After Aligning Their Retirement Strategy to Their Lifestyle
they gained clarity and confidence. They know their investments and income support their lifestyle.
By protecting your income, you will experience:
Renewed optimism about your future
A sense of pride in all you've achieved
Confidence in making informed and responsible choices for your next chapter
You will take control of your retirement lifestyle, ensuring it isn’t left to chance.
Optimize Your Retirement Strategy to Secure and Boost Your Income
Uncover Your Preferred Sources for Generating Retirement Income
Achieve a Seamless Balance Between Your RetirementIncome Strategy and Lifestyle
Gain Assurance and Clarity in Maintaining Your Quality ofLife
Take the next step towards retirement confidence and Staying InPlay
At InPlay Retirement, we align protected growth and guaranteed lifetime income strategies to your retirement lifestyle, alleviating spending anxiety so you can embrace the future confidently.
Choosing a Retirement Income Approach
As you enter retirement, your financial priorities shift from wealth accumulation to income creation, a critical transition that shapes your future. For success, you must feel comfortable and confident in your retirement approach.
Protected Growth and
Income
As retirees look ahead to their financial futures, it is crucial to prioritize stable investment growth and establish dependable income sources
Guaranteed Lifetime
Income
Integrating guaranteed lifetime income into your retirement empowers you to enjoy newfound freedom to spend your hard earned wealth confidently.
Integrating guaranteed lifetime income into your retirement empowers you to enjoy newfound freedom to spend your hard earned wealth confidently.
© 2025. Inplay Concepts Inc. ALL RIGHTS RESERVED
Training
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Prepare for specific client meetings and cases with Coach Tom Hegna, and get set up every week to sell the best insurance and annuities programs for your clients so you can help them retire happy.
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Tom Hegna On Demand Curriculum
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