You Deserve a Paycheck for the Rest of Your Life.
We help everyday Americans turn their retirement savings into guaranteed monthly income — so you never have to worry about outliving your money.
Three Fears That Keep Retirees Up at Night
You've worked your whole life for this. Here's how we put those worries to rest.
"Will my money last 20 or 30 years?"
The average American now spends 18–25 years in retirement. A savings account can run dry. A paycheck can't.
→ We build income you literally cannot outlive.
"What if the market crashes right when I retire?"
A bad market in your first few years of retirement can permanently damage your savings — it's called sequence-of-returns risk.
→ Guaranteed income stays the same no matter what markets do.
"What about Medicare and healthcare costs?"
Healthcare is the #1 unexpected expense in retirement. Most people have no idea what Medicare actually covers — until it's too late.
→ We walk you through every Medicare option, free of charge.
Four Steps to a Worry-Free Retirement
Build Your Retirement Budget
We start by understanding exactly what you need every month to live the life you want.
Maximize Social Security
Timing your Social Security claim correctly can mean tens of thousands more over your lifetime.
Find Your Best Medicare Fit
We compare every plan available in your area so you get the right coverage at the right price.
Create Your Lifetime Paycheck
We design a guaranteed income plan that covers your expenses for the rest of your life.
Two Things We Do Better Than Anyone
Guaranteed Lifetime Income
Think of it as building your own personal pension. A guaranteed paycheck every month — for life — no matter how long you live or what the stock market does. No minimum balance required to get started.
Learn how it works →
Medicare Made Simple
Medicare has four parts and dozens of plan options. Getting it wrong can cost you thousands. We break it all down in plain English and help you choose the right plan — at no cost to you.
Explore Medicare options →
Income Planners for the Middle Class
Most financial advisors won't talk to you unless you have $500,000 or more. We built Safe Harbor for everyone else.
John Anderson flew Army helicopters and spent 25 years as a commercial airline pilot. Jeff Frankenfield served in the Air Force and holds a degree in finance. Both veterans. Both committed to one thing: giving middle-class Americans the same retirement security that executives and government employees get.
We work with what you have.
Honest advice, not a sales pitch.
We explain everything in terms that make sense.