Dean Cross

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The Retirement Income Series

Turning a finished nest egg into income that lasts.

Harvested takes the options route, with covered calls and cash-secured puts run conservatively inside an IRA or Roth. Built takes the ownership route, with dividend-paying businesses chosen on whether the company can actually afford to keep paying. The mechanisms differ, but the question is the same: where does a monthly paycheck come from once the paychecks stop, and what makes it hold?