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Your Retirement "Paycheck"

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The Challenge

Graph: Dow from December 2001 to December 2011

Your financial management journey doesn’t end upon retirement. During your career, you employed investment strategies such as Dollar Cost Averaging (DCA), or investing an equal amount from each paycheck, to help contribute to your retirement assets. However, these same processes that were appropriate during your working years may not necessarily apply in retirement and may no longer help you reach your goals.

Graph: Assumed 3.5% Inflation

Building a steady retirement income that grows with inflation during volatile markets is your challenge.

What Can We Do?

 

A Strategy

Market drops will occur during your retirement years and the challenge is that no one knows how long they’ll last. Preparation for these drops is critical and we’ll start as soon as possible with a plan that may include dynamic buffers, asset allocation, and income producing assets. We’ll utilize progressive strategies to help you stay on course during challenging market cycles with the goal of helping you live the successful retirement that you’ve planned for. The examples below illustrate how we might recommend that a client address hypothetical market drop scenarios based on his or her unique situation:

1. Short-Term Market Drop
2-4 months

  • Utilize a dynamic cash buffer to help insulate against short periods of downturn
Graph 1: 6 Months

2. Intermediate Market Drop
6-18 months

  • Asset Allocation1
  • When appropriate, sell assets that retained value
Graph 2: 1.5 Years

3. Long-Term Market Drop
18+ months

  • When appropriate and if applicable, utilize the guaranteed2 assets that you may have in your diversified portfolio including a range of annuities and other income producing assets
Graph 3: 3 Years
  1. Asset allocation is a method of diversification that positions assets among major investment categories. This tool may be used in an effort to manage risk and enhance returns, but it does not guarantee a profit or protection against loss in a declining market.
  2. All guarantees provided by annuity products are based on the claims-paying ability of the issuing insurance company.

*This hypothetical example is intended for illustrative purposes only and is not indicative of actual market, index, investment, or financial product performance.

Life Through Financial Planning

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