Do You Have A System for Managing Retirement Income?

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Longevity risk is real. Accumulating assets for retirement was a lot easier than managing retirement income. Now you practically have to be an actuary to make sure your money doesn't run out before you do!

It‘s a different skill set. Do you have a strategy?

During your working career, you simply put money into your retirement account and watched the market climb for two to three decades (not in a straight line, of course; but, it still went up over time).

The accumulation phase was a lot easier than the distribution phase. In retirement you’re drawing down assets – and doing it during two or three decades of inflation and tax-law changes, not to mention those untimely market declines that always seem to take place just when you need your money the most!

Do you remember 1966?

There was no recession or depression. No dot-com bust or credit melt-down; no market crash. It was a pretty unremarkable year except – it was a bad year to retire.

No one want to see their retirement plans go ‘off the road’ – especially when already in retirement. Maybe installing some ‘guardrails’ might help.

I’m doing a short webinar on how you can adopt a “Guardrails” strategy for your own retirement. I think you’ll find it helpful.

You can register here!

Enjoy!

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Interested in becoming an IFG client?  Why play phone tag?  Schedule your 15-minute introductory phone call!

Jim Lorenzen, CFP®, AIF®

Jim Lorenzen is a CERTIFIED FINANCIAL PLANNER® professional and An Accredited Investment Fiduciary® in his 21st year of private practice as Founding Principal of The Independent Financial Group, a fee-based registered investment advisor with clients located in New York, Florida, and California. He is also licensed for insurance as an independent agent under California license 0C00742.  IFG helps specializes in crafting wealth design strategies around life goals by using a proven planning process coupled with a cost-conscious objective and non-conflicted risk management philosophy.

Opinions expressed are those of the author.  The Independent Financial Group does not provide legal or tax advice and nothing contained herein should be construed as securities or investment advice, nor an opinion regarding the appropriateness of any investment to the individual reader. The general information provided should not be acted upon without obtaining specific legal, tax, and investment advice from an appropriate licensed professional.

Jim's picture
Jim Lorenzen is a CERTIFIED FINANCIAL PLANNER® professional and An Accredited Investment Fiduciary® in his 21st year of private practice as Founding Principal of The Independent Financial Group, a fee-based registered investment advisor with clients located in New York, Florida, and California. He is also licensed for insurance as an independent agent under California license 0C00742.

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