Retirement is not only an age. It is an income strategy.
Building wealth for retirement is only the first phase. The next challenge is turning what you've accumulated into income designed to support your lifestyle, manage risk, and last through retirement.
Accumulation vs. Distribution
The strategies that help you accumulate wealth are not always the same strategies needed when it's time to create income from that wealth. As retirement approaches, the focus shifts from simply growing assets to determining how those assets can support you through changing markets, inflation, taxes, and longevity.
We help you design a retirement income strategy that considers sequence-of-returns risk management, helping reduce the need to sell market-based assets during significant downturns while creating a more sustainable approach to retirement income.
Market losses early in retirement can have a different impact than the same losses experienced during the accumulation years because withdrawals may occur while account values are down. Planning for where income comes from during those periods can be an important part of retirement distribution strategy.
Sequence-of-Returns Risk Management
Strategies designed to help reduce the impact that the timing of market losses and withdrawals can have on retirement assets and income.
Longevity Risk
Planning for the possibility that retirement may last longer than expected and that income may need to support decades of living expenses.
Market Exposure
Consider how market downturns, volatility, and withdrawal timing can affect assets during the retirement distribution years.
Inflation
Plan for the gradual loss of purchasing power and the potential for essential expenses to rise throughout retirement.
Tax Diversification
Coordinate taxable, tax-deferred, and tax-advantaged resources to create greater flexibility when retirement income is needed.
Fixed & Indexed Annuities
Explore insurance-based retirement strategies that may provide principal protection, accumulation potential, or contractual income features, subject to product terms.
Lifetime Income Features
Consider available strategies designed to create predictable income that can continue throughout retirement, subject to applicable contract provisions.
Beneficiary & Legacy Planning
Coordinate beneficiary decisions and wealth-transfer considerations so remaining assets can move forward with greater intention.
Not sure how retirement fits into your overall strategy?
Let's look at how your retirement resources, income needs, taxes, protection, and legacy goals can work together—and where sequence-of-returns risk may need to be addressed before withdrawals begin.
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