LIVING ON RETIREMENT INCOME DOESN’T HAVE TO BE SCARY

We know many retirees worry about running out of money. When you’re living on retirement income, that stress can undermine your ability to enjoy the retirement you’ve worked so hard for.

A comprehensive retirement plan can help give you peace of mind. You deserve to know what to do in retirement to ensure you’re not withdrawing too much – and that you won’t lose everything in a market crash. That’s why we believe that a retirement plan should include an investment strategy that helps protect your retirement in volatile markets.

We believe that the more secure your nest egg is, the more you’ll be able to relax.

Designed for retirees and those nearing retirement, our Invest and Protect strategy focuses on protecting your savings rather than chasing after high returns. By taking only as much risk as is necessary to accomplish your financial goals, we believe you can have what you need to maintain your lifestyle—and avoid running out of money when you’re old.

Then, you’ll be able to focus on what to do in retirement – not whether you’ll have enough money.

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LEARN HOW MUCH MONEY YOU REALLY NEED

Retirement is no time to stick your head in the sand. We believe it’s important to your financial health and your peace of mind to know what you have and what you need—both now and in the future.

When you meet with a Retirement Planners of America advisor, one of the first things we do is a cash flow analysis. We tally up your expenses, add together all your income, and then look at the difference between the two sums. We would love to give you an in-depth cash flow analysis free of charge. Schedule a meeting with an advisor to get started.

LIVING ON RETIREMENT INCOME? YOU NEED TO KNOW YOUR HURDLE RATE

Once we analyze your cash flow, we determine your hurdle rate. This is the rate of return you need to earn on your investments to keep you financially secure for the rest of your life. We work with you to construct a portfolio that has the highest probability of achieving that hurdle rate while minimizing risk.

For example: If you spend less than 4 percent of your investments each year, we’d aim to make 4 percent rate of return. If we consistently reach our goal, you could have more money at the end of your life than you do right now.

UPDATING YOUR PORTFOLIO WHILE IN RETIREMENT

Completing a cash flow analysis and finding out your hurdle rate are critical first steps, in our view. But you can’t set it and forget it.

Things change. The market changes. Your age changes. And, your goals might change too.

At Retirement Planners of America, we meet with our clients frequently to make sure everything is on track. We believe an important part of financial peace of mind is knowing that someone is striving to ensure you’ll have enough money. That’s our job, and we take it seriously.