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People want security and less stress as they transition into retirement. Before retirement, we focus on accumulation and growing our assets. Time is on our side and we are still earning income. These are powerful factors that justify this mindset. More assets means more future income. We see this validated when purchasing income generating annuities.
Decumulation is the technical term for the distribution phase of retirement. Who does it benefit to remain focused on asset accumulation, in retirement? More and more economists and retirement professionals are suggesting that we shift our focus from asset accumulation to asset protection and guaranteed, lifetime income. As retirement experts, we are questioning the conventional wisdom that underpins this issue. Like everything in financial planning, each person’s circumstances are unique and this uniqueness drives individual recommendations. Factors such as succession and health play a role in how much of our retirement assets should be converted to income. For each of us, there is a perfect balance.
You can reach us at 561-869-4500 or email Ted to arrange for a complimentary consultation. If you are worried about keeping your retirement assets at risk, let’s talk.
With interest rates at historic lows and people living longer, guaranteed lifetime income is critical to a secure retirement plan. I recently wrote an article about Longevity Risk in a column I write for the Boca Raton Tribune about Life Cycle Financial Planning. It is just as relevant today.
“A lack of awareness and understanding about guaranteed income solutions is keeping an alarming number of people at risk during retirement. Most people feel safer and more secure with adequate amounts of guaranteed lifetime income. Without it, you are missing a key component of a balanced retirement plan. With it, your future is anchored in security, allowing you to consider more risk in other areas. An experienced specialist in guaranteed income solutions can help you determine the appropriate amount of income for your specific retirement plan.”
Click Here to Read the full article on how you can Take Charge With Income You Cannot Outlive
https://www.youtube.com/watch?v=u6sQK1zLKJU
