go2income.com

What It Is

Go2Income is not a payment gateway or digital wallet, but a U.S.-focused retirement income planning and income annuity service platform. Developed by Golden Retirement, LLC, its core methodology is Income Allocation Planning, which aims to convert assets such as IRAs/401(k)s, after-tax savings, home equity, and fixed or variable deferred annuities into sustainable retirement cash flow.

Core Capabilities and Compliance

The platform covers Immediate Annuities, Deferred Income Annuities, and QLACs, and provides annuity quotes, annuity shopping services, and retirement income planning software. Golden Retirement Advisors Inc. is a registered investment adviser, while 2Income Annuity Group Inc. is a licensed life insurance and annuity agency, with licensing that covers more than 75% of the U.S. market; in states where it is not licensed, it may work with qualified advisers or agents. Its annuity screening criteria include insurer ratings of A or above, more than 10 years in the income annuity business, and over $1 billion in annuities currently on offer.

Pricing and Payouts

Website tools, annuity quotes, and a 1-hour Advisor-Counselor consultation are free. Follow-up consultations are billed hourly, though the main text does not disclose the specific hourly rate. The plan management fee examples are relatively transparent: $600 per year for $500,000, $900 per year for $1 million, and $1,200 per year for both $1.5 million and $2 million, billed monthly. Annuity income is typically deposited monthly into a designated account; immediate annuities must begin within 13 months, while QLAC payments must begin no later than age 85.

Pros and Cons

Its strengths are its specialized positioning and focus on lifetime income rather than purely asset returns. It also allows comparison across multiple highly rated insurers, and its fee examples are fairly clear. The limitations are that the service is heavily tied to U.S. tax, insurance, and retirement account systems; model quotes do not guarantee actual commercial market pricing; and GRA does not provide tax or legal advice, so complex plans may still require outside professionals.

Who It’s For and Access from China

Go2Income is best suited to people in the U.S. who are nearing retirement or already retired and want to reduce market risk and longevity risk, especially those holding IRAs, 401(k)s, or substantial after-tax savings. Access from China is unclear, but even if the site is reachable, its product compliance, tax treatment, and insurance applicability are primarily limited to the U.S. Alternatives worth considering include the retirement planning and annuity services from Fidelity, Charles Schwab, and Vanguard, as well as ImmediateAnnuities.com and Blueprint Income.