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Your risks change in retirement:

In 2017, Nobel Prize-winning Economist, Bill Sharpe, released a free online book with over 700 pages of his research on retirement income planning. He has called it “the hardest problem he’s looked at”. Transitioning from accumulation to retirement presents several new and interrelated risks:


Poor Market Returns Golden Valley, MN Channel Your Wealth

Poor Market Returns

Unplanned Expenses Golden Valley, MN Channel Your Wealth

Unplanned Expenses

Loss of a Spouse Golden Valley, MN Channel Your Wealth

Loss of a Spouse

Loss of Independence Golden Valley, MN Channel Your Wealth

Loss of independence


Common mistakes can cost you a lot:

The biggest risk is living longer than you expect because longevity magnifies all these risks. Over half of married couples will have a spouse live past 90, you need a strategy, so your retirement income lives as long as you do, maybe 30 years or longer. Some common mistakes can cost you a lot of money over your lifetime:


Social Security and Medicare Selections that hurt you

Social Security & Medicare selections that Hurt you

Tax Inefficient Withdrawals from Accounts Golden Valley, MN Channel Your Wealth

Tax inefficient withdrawals from accounts

Your Portfolio being too aggressive or too conservative Golden Valley, MN Channel Your Wealth

Your portfolio being too aggressive, or too conservative

 

We ask questions and listen to better understand your goals. 

We study the research and invest the time to make your retirement income strategy comprehensive and straightforward; using illustrations and analogies to explain concepts rather than financial jargon.

Schedule a Meeting