If you are married and 65, there is a 50% chance that one of you will live to age 90 or above.
This makes longevity the #1 risk because it isn’t just a risk, it is a
Risk Multiplier!!
If you live long enough, there is a greater chance the stock market may crash. There is a greater chance you could withdraw too much. There is a greater chance you could be exposed to high inflation. There is a greater chance you will need long term care for 2-4 years. Lest you throw my last bit of knowledge in the poppycock bin, consider this:
There are already more than 10,000 Centenarians in America today according to the US Census Bureau, and that number is growing.
The OPTIMUM RETIREMENT INCOME PLAN is designed to take you to age 100 and take the number one risk off the table!
Notice I said “OPTIMAL,” not “BEST”. This is because no one (sane that is) knows the date of their death. If you knew that, we could build the BEST solution. Since you don’t, OPTIMAL is next in line.
Unfortunately, most advisors that get you to retirement with a GROWTH focused investment plan have failed to gain the expertise OPTIMAL INCOME PLANNING requires. Because retirement is generally about DISTRIBUTION STRATEGIES, it may involve spending down assets. The goals of the retiree to enjoy a lush income in retirement may soon clash with the goals of the advisor to grow your wealth. As you spend down account balances, their fee income falls as well. This is why growth advisors tend to focus on strategies that may hold all your assets hostage in order to produce a less than adequate and lower income than other science proven strategies that employ non-risk based financial products. This can be very risky depending on the MARKET SEQUENCE of RETURNS, LONGEVITY, and INFLATION RISK.
Here are a few of the strategies employed by investment focused advisors. They can work, but they are generally less than optimal.
Here are a few of them.
- The Bucket Approach
- Bond / CD Ladders
- Systematic Withdrawals from a balanced portfolio (60/40) and a 4% withdrawal rate with an assumed rate of return of 7%
- Dividend Income Stream
All of these less expose your nest egg to the risk mentioned above.
Exhaustive research from the top PhD’s in the country have proven there is only 1 way to RETIRE OPTIMALLY.
1. Establish a GUARANTEED LIFETIME PAYCHECK that meets your income floor (amount needed for necessities)
2- Learn at our event
3. Learn at our event
4. Learn at our event
5. Learn at our event
To learn the rest of the OPTIMAL RETIREMENT INCOME strategy, register to attend one of our future dinner events in Nashville at The Standard at the Smith House.
email [email protected] for next event dates or watch out for our upcoming posts.
Due to very limited space, you must be retired or within 5 years of retirement, and you must not have attended one of our previous events. Attendance subject to asset qualification as well. Your Reservation is NOT GUARANTEED until confirmed. NO ADVISORS / ADVISOR’S SPOUSE OR INSURANCE AGENTS PLEASE
Investment advisory services offered through Global Financial Private Capital, LLC, as SEC registered investment advisor.