Replace Your Paycheck With Growing Dividend Income
We build a retirement income plan that targets a 6% starting dividend yield that grows to offset inflation and models 0% stock price growth.
This means your retirement income plan doesn’t rely on stock market speculation.
See your gap. See the exact fix. No hidden fees.
Why this works: clarity, not hype
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Our planning software shows if you have an income gap and the exact percentage asset growth needed to close it.
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If there’s an income shortfall (gap), we adjust strategies to “fill the gap” and increase income.
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If you’re on track for your ideal retirement income, we optimize for higher income and/or a larger legacy.
What You Get
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Personal Retirement Income Gap Report (cash‑flow map that you can read in 5 minutes)
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Dividend Growth Plan (designed to grow income yearly)
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Fee‑Layer Audit (find and remove hidden costs)
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Optional: Estate plan coordination so that everything works together as one cohesive plan.
How Does It Work?
1
15 Minute Fit Call
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Plan Build: Income Gap Analysis + Dividend Growth Plan
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Implement Together or DIY Your Choice
Planning Clarity Guarantee: If we can’t deliver a written retirement income plan you understand—and a clear path to lower total fees—you don’t pay for planning.
We help You replace Your paycheck with dividend income
using a planning‑first, fee‑transparent process.
FAQ
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Is a 6% dividend yield guaranteed?
No. Dividends are announced yearly by dividend paying companies. This provides a high level of confidence on the dividends that will be paid each year. This in turn allows us to plan with confidence. Dividends are a stark contrast to stock prices. Stock prices move up and down on a constant basis making them difficult use as a planning metric. -
Do you speculate on stock prices?
No. We model dividend income first, not stock price appreciation. We choose high quality companies that have a good possibility to increase in stock price over time. We simply recognize the FACT that we can not plan on WHEN stock prices will increase. -
Do I have to move my assets?
Only if we both agree if the plan we develop together improves your outcome and fees.
How $1.2 million Beats $2.3 million at Retirement
Stop the “grow then switch mentality." Build income early with dividend growth so your paycheck rises—even if prices don’t.
Paul Durso is the Founder of Insight Folios in Charlotte, NC.