Reliability of Income Carl D. Hulse CLU, ChFC, MBA founder of Plan4, has been serving clients in Arizona for over 30 years. Carl and his staff are dedicated to helping families plan for what we call, "Reliability of Income." The perception of what retirement will be like and what it ends up being for many is drastically different. Statistics from many sources show retirement is lasting longer, requires growth and protection and must be adaptable to medical and long-term care needs. In addition, individuals today are faced with incredible challenges that require specific planning. Challenges such as estate conservation, minimum distribution requirements, social security taxes and medicare are all growing needs. Decisions that individuals make today, will greatly affect the financial future of the individual and in many cases the heirs to follow. What you do today creates your "Retirement Reality" in the future.Professionals at Plan4 are equipped to deal with those challenges and can help in the planning needs for the future. We understand the issues that families face and are dedicated to helping with those decisions. We are focused on helping you grow and preserve your retirement income.