Pat Ginefra, Certified Financial Educator and Founder of, talks about how the Covid-19 virus has impacted retirees. Most notably, it’s creating urgency for people to retire. Many people are wanting to retire earlier, especially those working in the healthcare field. This creates a situation where people are retiring before the optimal Social Security age and might need to bridge an income gap. Bridging an income gap requires planning and Pat’s retirement “blueprint” can help provide guidance in this situation.

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Licensed Insurance Professional. Respond and learn how financial products, including life insurance and annuities can be used in various planning strategies for retirement. The information in these videos is for informational purposes only. Opinions expressed are solely those of Any references to ‘Lifetime Income,’ ‘Income You Can’t Outlive,’ or the like refer only to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.