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Retirement Income Planning

Traditionally, the focus of retirement planning has been accumulating assets. While asset accumulation is important, an often overlooked aspect of retirement planning is distribution of those assets. The lack of distribution planning, particularly combined with the uncontrollable variables of market performance and inflation, can present a potentially significant problem.

Things to consider when building a retirement income plan:

  • When you plan to retire
  • Longevity
  • Lifestyle
  • Expenses
  • Unexpected and rising health care/long-term care costs
  • Potentially financially helping children
  • Current assets
  • Fixed vs variable income sources
  • Taxation of different income sources
  • Timing of distribution of different income sources

A good plan combines these factors with the fundamental elements of retirement income planning:

  • What withdrawal rate to use
  • What do we do during a bull market
  • What do we do during a bear market
  • What do we do during a flat market
  • What do we do if there is high inflation

Our team can develop a custom retirement income plan to help you reach your goals.

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