Retirement Income Planning

Retirees face 3 major risks:

1. Longevity Risk – living longer than planned
2. Market Volatility – poor market returns (especially early in retirement, known as Sequence of Returns risk) that lead to reduced portfolio value
3. Spending Shocks – large expenditures, possibly depleting assets

Retirement Income Planning is the field of Financial Planning that addresses these risks. We believe the best way to mitigate these risks is with a segmented, safety-first approach. You could spend 20+ years of your life in retirement; you shouldn’t have the same strategy for Year 1 money as you do for Year 20 money.

Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested.  No system or financial planning strategy can guarantee future results.