Why is income such a "complex challenge?" 

Longevity Risk
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.

For a closer look, check out this 3 minute video vignette Longevity Risk

Inflation Risk

Everyone is concerned about inflation today. It is increasing at record rates. It is increasing faster than incomes. It seems to be everywhere. What can you do?

For a closer look, check out our 3 minute video vignette: Inflation Risk

Tax Risk
Taxes will likely become our biggest financial loss over the next thirty years. They may also be the one risk we least prepared for. The IRS is your silent partner, controlling partner, in each retirement account. What to do?

For a closer look, check out our 3 minute video vignette: Tax Risk

Sequence Risk
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..

For a closer look, check out this 3 minute video: Sequence Risk

Health Care Risk
Health care is one of the largest expenses in retirement. Fidelity estimates that the average 65 year old couple retiring in 2021 may need over $300,000 in savings to cover medical expenses. Can you handle that?

For a closer look, check this 3 minute video:  Health Care Risk

Withdrawal Risk
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? 

For a closer look, check this 3 minute video:  Withdrawal Risk

Social Security Risk
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.

For a closer look, check this 3 minute video:  Social Security

Income Risk
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.

Regulatory Risk
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.

Long Term Care Risk
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.

Parents & 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.

Spousal Income Risk
An inconvenient truth: when your spouse leaves, you will find yourself standing on the "INCOME CLIFF."
The "experts" tell us to be prepared for a 30% drop in income. You will lose their Social Security; you may lose all, or part, of their pension; you will lose their "standard deduction" - $14,250 of tax-free income; you may owe taxes on their RMDs. You will have lost two of their tax exemptions - $5M on estate taxes and $250,000 on captial gains for your home. Have you prepared for this?