Internal · not indexed
Design guide
Phase 1B–1D approval surface. Switch directions in the bar above and judge each one against real Ogletree copy at your actual screen size. Resize to 320px before you decide — that width is a release gate, not an afterthought.
1. Outstanding intake
Generated from src/lib/site.ts. The production build refuses to run while this list is non-empty.
legalNameOfficial registered company namedisplayNameApproved display/brand namephoneConfirm this is the right number for paid trafficphoneHrefConfirm this is the right number for paid trafficaddressRegistered business addresstermsUrlTerms of service copyadvisor.licenseInfoState license numbers, if disclosure requires themlogo.vectorTrue vector logo (real paths, not an embedded raster)siteUrlProduction domain
2. Color roles
Roles, not shades. A color may only be used for the role named here. Contrast ratios are recorded intokens.css next to each value.
- Brand / trust surfaces
--color-brandLogo lockup, credential row, footer - Interactive
--color-interactiveLinks, buttons, progress, calendar selection - Success
--color-successSubmission accepted, booking confirmed - Warning / candid tradeoff
--color-warning20% withholding, surrender charges - Error
--color-errorValidation failure, delivery failure
Role collision check
The one thing that can sink Direction A. Brand green and success green sit side by side below — if they read as the same color at arm's length on a phone, that direction needs a different success hue before approval.
3. Typography
- Your timeline decides
- Your timeline decides
- Your timeline decides
- Your timeline decides
- Your timeline decides
- Your timeline decides
- Your timeline decides
Reading measure
Body text is capped at 68 characters. This paragraph is set at that measure.
You can build a spreadsheet that says you're fine. Around 4% a year, adjusted for inflation, money lasts to 95. And you can still lie awake wondering what happens at 96. That's the fear nobody names correctly. It isn't the market. It's outliving the money.
4. Buttons and links
Every control is at least 44px tall. A control that navigates renders as <a>; a control that acts renders as <button>. Tab through the row to check focus rings.
Inline text links look like this one, and click-to-call links look like800-712-8519.
5. Content modules
Quick answer
Callouts
This is the expensive mistake
If the check comes to you instead of moving directly between custodians, your plan is required to withhold 20% for taxes — and you have 60 days to replace that money out of pocket or it counts as a distribution.
Worth knowing
A MYGA ladder gives you control of the balance, but it is not a lifetime guarantee.
Your information is saved
We have your answers. Doug will call within one business day.
Trust row
- IndependentNot captive to one carrier
- AM Best checkedCarrier ratings reviewed before any recommendation
- No cost to youCarrier pays the commission, not you
Annuity guarantees are backed by the claims-paying ability of the issuing insurance company. Annuities are not FDIC insured.
Advisor profile
Doug Mitchell, CLU
Chartered Life Underwriter (CLU)
Doug has spent his career helping people near retirement decide how much of their savings should be guaranteed and how much should stay invested.
CTA card
Not sure which of the four fits you?
Answer a few questions about your timeline and we'll show you which structures are worth a closer look.
No obligation. We will not sell your information.
6. Comparison table
Five columns — the hardest responsive case in the content set. Below 60em each row becomes a complete labeled card. Narrow your window: no column is dropped and no cell is truncated.
| Option | Income starts | Keep control of balance | At your death | Best for |
|---|---|---|---|---|
| Immediate annuity | Within a year | No | Only if you chose a refund or period certain option | Income needed now, highest payment |
| Deferred income annuity | A set future date | No | Only if you chose a refund or period certain option | Locking in income before you retire |
| Deferred annuity with income rider | Whenever you turn it on | Yes | Remaining balance goes to beneficiary | Wanting the guarantee without giving up access |
| MYGA ladder | You manage withdrawals | Yes | Remaining balance goes to beneficiary | Full control, not a lifetime guarantee |
7. FAQ
Built on <details>/<summary>, so it works without JavaScript. Same array feeds the FAQPage JSON-LD.
Common questions
What's the difference between guaranteed income and a safe withdrawal rate?
A withdrawal rate is a plan. Guaranteed income is a contract. Pulling around 4% a year can work, but a bad stretch of markets early in retirement can break it. A lifetime income contract keeps paying regardless of what markets do or how long you live.
Can I lose my guaranteed income if the market drops?
No. Once lifetime income is turned on, the payment amount is a contractual obligation of the insurance company. Market performance does not reduce it. This is why carrier financial strength matters, and why we check AM Best ratings before recommending anyone.
What happens to my money if I die early?
It depends on the structure. With an income rider, whatever balance remains goes to your beneficiary. With an immediate or deferred income annuity, it depends on the payout option you chose at purchase. Options that protect heirs pay less per month.
How much of my savings should go toward guaranteed income?
There is no universal number, and anyone who gives you one without asking about your situation is guessing. The common approach is to cover your fixed monthly bills with guaranteed income — groceries, housing, insurance, utilities — and leave the rest invested and available.
8. Form states
Placeholder — Question order, branching, and consent copy — blocked on the Phase 2 GHL contract spike. Blocked on Phase 1A intake.
The multi-step engine is Phase 6 and is deliberately not built yet. These are the field states it has to support, shown as static specimens so the visual treatment can be approved now.
Pick the closest answer. You can change it later.
Error: Enter a 10-digit phone number.
- DefaultUntouched field with visible label and hint.
- FocusedVisible ring at 3px, offset 2px.
- ErrorInline message tied to the field via aria-describedby.
- SubmittingButton busy, controls locked, no layout shift.
- SuccessShown only after the database transaction commits.
- TimeoutLead is saved; visitor is told so and never asked to resubmit.
9. Reference page
The full page shell assembled from these components, using the guaranteed-lifetime-income content.
Open the reference page