Securing a Comfortable Retirement in the Age of Spending

Help clients determine how much retirement income is necessary to sustain their desired lifestyle. Develop a Plan B if the ideal retirement goal is not achievable. Recognize the role of various investment types, including life insurance, annuities, mutual funds, equity holdings, and bonds.
Highlights

• Asset allocation, portfolio management, portfolio rebalancing, and investment selection concepts, before and after retirement
• Developing a three-legged stool of employer retirement, savings, and Social Security
• Distribution/asset liquidation planning, including the pros and cons of various annuity options and strategies for using qualified plans and IRAs, beneficiary elections, and trusts
• Identifying retirement planning variables such as travel plans, housing plans, medical needs, and family needs
• Using the residence and other real estate as retirement assets through equity and rent
• Using the small business as a retirement income source
• Sustainable portfolio withdrawal rates during retirement for differing stock/bond/cash asset allocations, inflation rates, tax deferred accounts, and taxable accounts