Why is INCOME such a "Complex Challenge?" (cont.)



What if I live too long?
Longevity Risk by far the #1 risk we will face in retirement. It is a "risk multiplier." The longer we live, the more likely we could be blindsided by each of the other retirement risks. Longevity risk must be taken off the table.

Check out this 3 minute video on Longevity Risk

How do I mitigate a negative sequence of returns?
During the "Lost Decade" of 2000 to 2009, we saw the S&P 500 lose 50% of its value twice! It took 13 years to recover and move higher. Millions of Americans were blindsided. Retirements were put on hold - or worse..

Check out this 3 minute video on: Sequence Risk


What is a "SAFE" withdrawal rate?
The "4% Rule" had been the gold standard "safe withdrawal rate" until "The Lost Decade." Today, experts tell us, "The 4%Rule is Dead."  Have you updated your allocation to maximize your income? 

Check out this 3 minute video on:  Withdrawal Risk

What is the best way for me to take Social Security?

For most Americans, their decision on Social Security will have the biggest impact on their monthly income and quality of life. Yet, most of those decisions fail to maximize their benefits and minimize their taxes.

Check out this 3 minute video on:  Social Security


Could I run out of money?
Running out of money is still the #1 fear among most retired Americans. Securing a guaranteed income is what 85% of Americans say they want; yet, few know how or where to do find it. There is a solution.

Can I count on "Big Brother?"
Tax legislation and regulations are back in the spotlight. Taxes are due to increase 20% in 2025 with the"Ugly" Sunset" of the 2017 tax cuts. Taxes are "On Sale" today. "Tax me now?" or "Tax me later?" It's your choice.

What are my chances of needing long term care?
Seven out 10 Americans over 65 will need some kind of long term care - home care, rehab, assisted living, nursing home, adult day care. The $10,000 plus costs per month in a nursing home can be devastating.

What will it cost to take care of my parents & adult children?
Caring for elderly parents, adult children, and grandchildren has put financial strain many retirement plans.
America's 48 million family caregivers pay more than $7,200 a year out of their own pockets to help loved ones stay independent, AARP research shows.

Am I prepared for the "INCOME CLIFF?"
An inconvenient truth: when your spouse dies, you will find yourself on the "INCOME CLIFF."
Your income may drop 30%, or more. One of your Social Security checks will stop. You may lose their pension. You will lose their "standard deduction." You will pay taxes on their RMDs. You will lose their tax exemptions for estate taxes and capital gains taxes. Are you prepared to live on less income?