Core Insights - The article discusses strategies for building inflation-protected income similar to a government pension, emphasizing the importance of inflation protection in retirement planning Group 1: Social Security Benefits - Clients can receive Social Security benefits that are inflation-adjusted, with a 66-year-old client potentially receiving $22,267 annually now or 32% more if they wait four years, which translates to an additional $7,125 of inflation-protected income for life [1] Group 2: TIPS Ladder - TIPS (Treasury Inflation-Protected Securities) are recommended as a way to create a 30-year cash flow that pays an inflation-adjusted average of $43,800 annually, with the current yield at 4.55% [2] - A TIPS ladder provides a virtually guaranteed cash flow, making stock market volatility less concerning, and can serve as a 30-year inflation-adjusted annuity [2] - TIPS offer a non-spousal survivor benefit for heirs, unlike Social Security [2] Group 3: Gap Years in TIPS - TIPS cash flow is not a monthly paycheck and includes interest payments, maturing bonds, and accumulated interest from inflation, with a gap in cash flow from 2036 to 2039 that requires purchasing additional bonds maturing in 2035 and 2040 [3]