Broker Check

Retirement Readiness

Your Future

Income Planning for your lifetime and protecting your “nest egg” is of paramount importance.  “Longevity Planning” includes long term investing with a bias toward capital preservation and excellent rates of return over time.  Will you outlast your money over the next 10, 15, 20, 25 years plus?  Possibly without good planning combined with additional planning for nursing care stays and estate planning.

Retirement planning requires a holistic approach, and we have developed a money management solution to help you achieve your financial goals. Tactical Asset Management can help protect your assets and help keep you out of “harm’s way” when bad things happen in the stock and bond market.

Thanks to new prescription drugs and medical technology, people are living longer than ever before. However, one drawback to a longer life is the greater possibility of outliving your savings—creating all the more reason to develop a retirement income strategy designed to last a longer lifetime.

A significant loss in the years just prior to and/or just after you retire can have a damaging impact on the level of income you receive over the course of your life. In fact, if a loss occurs earlier in life, there is also the chance that you have more time to recover (versus a significant loss occurring later in retirement). Why? Simply because a smaller pool of assets is left to sustain you throughout your retirement years.

We can help you design a guaranteed* retirement income strategy which incorporates insurance and annuity vehicles to create opportunities for long-term growth as well as guarantee income throughout your retirement.

*Guarantees are backed by the financial strength and claims-paying ability of the issuing company, and may be subject to restrictions, limitations or early withdrawal fees. Annuities are not FDIC insured.

Retirement income plans are not just for the wealthy. As retirement nears, the traditional strategy has been to move growth-seeking products to more conservative, fixed-income products. This may have worked fine back when retirement was only expected to last five to ten years.

These days, however, people are living longer. It's not unusual for someone retiring at age 65 to live to age 90 or longer. You may need to plan for your nest egg to potentially last 25 to 30 years.

Our Approach to Investing in Retirement

We start by getting to know you and your goals and objectives. This crucial step guides the development of your personal investment recommendation. After we’ve worked with you to develop a strategy aimed at reaching your goals, we’ll implement and maintain it for you on an ongoing basis.

Our Investment Planning Process Includes:

  • Provide a risk tolerance test to compare to your existing portfolio risk.
  • Meeting with you to learn about your retirement needs and your lifestyle.
  • Developing a personalized portfolio allocation based on your retirement goals.
  • Implementing a plan to achieve your long-term goals & help protect your lifetime planning.
  • Regularly reviewing your financial situation, goals, and income needs.
  • Adjusting your money management plan as your retirement needs change.
  • Monitoring and analyzing financial markets and news to keep you informed.
  • Providing guidance and education to help you understand how our actions will help meet your long-term financial goals.

Retirement Planning Tools

There are several phases to an excellent Retirement Plan.

Portfolio Management

  • Determine your Risk Tolerance.  How do you feel about losing money?
  • Determine the current risk of your existing portfolio
  • Is it a Hope and a Prayer portfolio?
  • Do you want Capital Preservation and the opportunity to make 5-7% over the next 5, 10, 15, 20 years +?
  • Are you working with a Fiduciary like me?

Income Planning

  • Choose the right Social Security option for you and your spouse. I can help you review all of your many choices.
  • What Pension decision makes the most sense for you and your spouse?

How to distribute funds from your portfolio:

  • Determine you annual distribution rate
  • Determine your portfolio direct deposits
  • Develop an Income Plan
  • Does a Joint Guaranteed Income Stream make sense for the rest of both your lives?

Estate Planning – Are your Wills, Living Wills, Durable Power of Attorney and Healthcare Power of Attorney documents up to date?

  • Is your Trust Updated?
  • Does your Executor know where to find all your important papers, logins and passwords?

Long Term Nursing Care Coverage

  • Yes or No and understand the consequences of “No.”
  • What type of coverage is most popular and not “use it or lose it.”

Longevity Risk

  • What happens if you live too long?

Income Tax Planning with our CPA.

Questions For Consideration?

Are you prepared for the next bubble? ie. interest rates climbing, earnings peaking, eventual tapering of quantitative easing.

Do you think there will be higher taxes in the future?  Do you want to wait until they change the tax law or do you want to do something before they change the tax law?

Do you think there will be lower social security benefits in the future?  What is going to happen to your family’s standard of living? What is your strategy to replace those lost benefits?

If you have higher taxes and lower benefits, what happens to the money supply in the United States?  We print more! Another word is inflation! What’s your strategy to address, what Ben Bernanke has called, this hidden tax?

If we have higher taxes, lower benefits, and inflation, isn’t that going to cause more and more volatility?  What if you make a mistake, how about five? How many -40% years can you take?  What is your strategy to take advantage of the good volatility and not be hurt by the bad volatility?  Do you have one?

Do you have questions? We can help you evaluate your options for your best interest.

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