Will Your Retirement Income Last? | Freedom Income Framework | Heits Benefits Group
Freedom Income Framework

Will Your Retirement Income
Actually Last 30 Years?

Watch this short video to discover the 4 threats most pre-retirees never see coming — and the framework NJ/NY families use to protect against all of them.

🔒 No sales pitch. Pure education.
⏱ Under 8 minutes
📍 Serving NJ & NY families
✅ FINRA/SIPC Member Firm
What You'll Discover

Four things most retirement plans get wrong

01
The Income Gap Most People Don't See
Why having a solid savings balance is not the same as having a retirement paycheck — and what the gap between them costs you.
02
The Market Timing Risk Nobody Warns You About
How a single bad year at the start of retirement can permanently shrink your portfolio — even if you "recover" years later.
03
The Hidden Tax Bill Inside Your 401(k)
The IRS hasn't collected a cent of your pre-tax retirement savings yet. In NJ and NY, that bill can be 35–40% of every dollar you withdraw.
04
The Freedom Income Framework Solution
The four-pillar system David Heitner uses to build guaranteed income, protect growth, minimize taxes, and preserve your legacy — in one coordinated plan.

Ready to see where your plan stands?

Take our free 4-minute Retirement Readiness Assessment. Get your personalized score and see exactly where your income plan has gaps — before it matters.

Takes 4 minutes
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Schedule Your Free Retirement Income Review

Pick a time that works for you. In 30 minutes, we'll map out where your income stands, identify the gaps, and see if the Freedom Income Framework is a fit.

No cost, no obligation 30-minute strategy call Best for pre-retirees with $250K+ in savings
David Heitner
David Heitner
Retirement Income Specialist · Heits Benefits Group

David Heitner has spent years helping pre-retirees and retirees across the United States build income plans designed to last as long as they do. His Freedom Income Framework addresses the four most common threats to retirement security — in one coordinated strategy. He works with families who have $250,000 or more in investable assets and are within 5–10 years of retirement.

Securities and advisory services offered through Independent Financial Group, LLC (IFG), a registered investment adviser. Member FINRA/SIPC. Heits Benefits Group and IFG are unaffiliated entities. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security.