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Experience, Integrity & Attentive Service

1441 W Long Lake Rd, Suite 175
Troy, MI 48098

Phone:

877-302-4015

E-mail:

The Agbay Group
A Wealth Advisory Company

Our process begins with identifying and understanding the Two Stages of Money in Retirement Planning and carefully navigating you through both.

2 Stages of Money in Retirement Planning

Stage 1
Asset Accumulation
While Working

  • Making salary

  • Investing monthly

  • Desire maximum growth

  • Don't need current income

  • Assets meant to create future retirement income

  • Time is on your side

Stage 2
Income Distribution & Asset Preservation
Retired & Pre-Retired

  • No salary

  • No monthly investments

  • Desire maximum security

  • Want low volatility

  • Must minimize losses

  • Create maximum income guaranteed* for life

  • Assets to produce income now or in future

  • Time is no longer on your side

*Guarantee are subject to the claims paying ability and principal strength of the annuity issuer.


The strategies that get you through stage one, cannot and will not work in stage two. If you are using the same strategies in retirement as you did in accumulation stage, your planning  can be ineffective.

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Calculators

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Contact Us

Please feel free to contact us with any questions.

Videos

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Explains how future tax rules may impact deductibility of charitable donations.

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This article discusses economic forecasts for 2026 and the trends that are influencing them, including surging AI investment.

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The One Big Beautiful Bill Act includes many provisions that affect higher education.

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In addition to advancing philanthropic goals, strategic charitable donations may offer tax advantages.

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How much life insurance would you need to produce a sufficient income stream for your family?

A balance sheet summarizes your assets and liabilities and reveals your net worth.

How Long Will It Take to Pay my Balance?

This calculator is designed to help you attach a dollar figure to your life’s work.

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Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck