The Highpace Strategic Dilemma: Equity vs. Income
Comparing these two assets presents a unique challenge. Real Estate is a high-growth, leveraged asset that builds significant Net Worth, but its cash flow is restricted by debt service and expenses for the first 20-30 years. It creates "Dry Wealth"—valuable on paper, but difficult to spend at Age 70.
Conversely, the Variable Annuity is an Income Efficiency tool. While the legacy value may be lower, it provides a "Synthetic Pension" that is liquid and guaranteed. The planning challenge is balancing the Growth of the property against the Reliability of the annuity to ensure the client is not "House Rich and Cash Poor."
| Age | Prop Value | Gross Rent (+) | Mtg P&I (-) | Tax (1.25%) (-) | Maint (1%) (-) | Net Annual Cash | Cumul. Cash | TOTAL RE WEALTH | Mtg Balance |
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| Age | Market % | Account Value | Income Base | Growth Status | Yearly Income | TOTAL VA WEALTH |
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