Niko Vamvakas

Niko specializes in retirement planning solutions — with deep expertise in retirement income design, distribution strategy, annuity analysis, and the complex challenge of building a sustainable income stream that lasts through a 20–30 year retirement horizon. His focus is on the distribution phase of retirement: how clients move from accumulating assets to living confidently from them.

Niko is the specialist Annie engages for clients approaching or in retirement who need sophisticated income architecture — particularly where Social Security optimization, RMD planning, annuity evaluation, or tax-efficient distribution sequencing are central to the plan.