About this Event
Retirement should be a time of relaxation, not financial worry. With a solid plan, you can enjoy the rewards of your hard work without stress. Whether you’re nearing retirement or already retired, we’re here to guide you through building a sustainable income strategy.
The Power of Income Buckets
To make your retirement income last, consider the "Income Buckets" strategy. Divide your assets into three buckets based on when you’ll need them:
- Bucket 1: Short-Term (1-3 Years)
Funds in cash or low-risk bonds to cover immediate living expenses without selling investments at a loss. - Bucket 2: Mid-Term (3-10 Years)
A mix of stocks and bonds to grow your wealth safely, with enough stability to handle market changes. - Bucket 3: Long-Term (10+ Years)
Higher-risk assets like stocks or real estate, designed to grow your wealth over the long run.
By using this approach, you ensure a steady income stream while reducing stress from market fluctuations.
Protect Your Retirement from Inflation
Inflation is a silent threat that can erode your purchasing power. To stay ahead:
- Invest for Growth: Focus on assets that outpace inflation, like stocks and real estate.
- Diversify: Spread your investments to protect against inflation’s effects.
- Adjust Withdrawals: Increase your withdrawals slightly each year to keep pace with rising costs.
Ongoing adjustments to your strategy are key to staying inflation-ready.
Sequence of Returns: Timing Matters
The order in which you experience returns can impact your retirement’s success. If markets dip early in retirement, selling investments to cover expenses can hurt your long-term stability.
To protect against this:
- Rely on short-term and mid-term buckets to avoid selling growth assets in a downturn.
- Periodically rebalance your portfolio to maintain stability.
- Consider delaying Social Security for a higher guaranteed income later.
Take Control of Your Retirement
Retirement planning is about preparation. With the right strategies in place—income buckets, inflation protection, and market timing—you can confidently navigate the years ahead.
Schedule your free retirement strategy session today. Let’s work together to ensure you enjoy the retirement you’ve worked hard for.
Any statements referring to preservation of assets are not a guarantee or prediction of future performance. Any references to protection benefits, guarantees or lifetime income generally refer to fixed insurance products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Neither the firm nor its agents or representatives may give tax, legal or investment advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.
Event Venue & Nearby Stays
The Exchange, 118 West Main Street, New Albany, United States
USD 0.00
