Structured thinking on lifetime income
Independent writing on how lifetime income works and what it costs — for plan sponsors, consultants, advisors, and individuals who want to understand the mechanics, not just the headline.
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Solvency & Risk Stewardship
Scoring & Product Fit
Plan Rules & Safeguards
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The claim stack
Mar 7, 2026
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Tom Cochrane
What backs a promise — and how different claims fail
March 7, 2026
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Plan Rules & Safeguards
Scoring & Product Fit
Solvency & Risk Stewardship
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The claim economy
Mar 6, 2026
•
Tom Cochrane
Most people think about lifetime income as a single problem to solve: accumulate enough, then figure out how to spend it down. That framing is understandable but it misses something important.
March 6, 2026
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