We look to cover your essential expenses with predictable income sources while allowing your other assets to grow and help offset longevity and inflation risks.

ESSENTIAL EXPENSES	←  →	PREDICTABLE INCOME
• Housing costs • Health Care & Insurance • Family Care • Taxes (Property & Income) • Personal		• Social Security • Pension • Annuity Income • Life Insurance Cash Value
DISCRETIONARY EXPENSES	←  →	INCOME FROM ASSETS
• Travel • Entertainment • Hobbies • Club Memberships • Charitable Donations		• Stock Appreciation • Dividends & Interest • Rental Income

Longevity Risk – The possibility you and/or your spouse will outlive your retirement assets. Advances in medicine are extending people’s life expectancies and may make it more difficult to sustain your income stream.

Inflation Risk – Inflation refers to a general rise in prices of goods and services. Over the past 25 years, inflation has averaged approximately 2.6% per year.¹ Assuming a 65-year-old’s income needs were $100k today, and tracking this exact pace of inflation over the next three decades, your income would have to grow as follows to maintain the same standard of living:
  • Year 10 (Age 75): $129,166
  • Year 20 (Age 85): $166,859
  • Year 30 (Age 95): $216,423

Healthcare Risk – An average retiree will spend an average of $157,000 on health care. This excludes long-term care expenses.²

Market Risk – Market downturns in the five years before or after your retirement start date can have a severe impact on your retirement income security and your legacy planning. (This refers to sequence of return risk) Although we need the long-term growth potential that stocks can provide to offset both longevity and inflation risks, we also need dependable income and more conservative, readily liquid investments to lessen/dampen the impact of short-term financial market volatility.

Excessive Withdrawal Risk – Drawing down assets too quickly, regardless of portfolio diversification, can put you at risk of running out of money. The "right" safe withdrawal rate is a moving target contingent upon many factors. Those willing to tolerate some fluctuations in their spending might consider 6% with 4% being the lower guardrail.³

  (¹) U.S. Inflation Rate by Year – 2023 MacroTrends
  (²) 2023 Retiree Healthcare Costs Estimates – Fidelity Investments
  (³) Morningstar Investments – What is a Safe Retirement Withdrawal Rate for 2026 – Dec. 2025

Portfolio Construction
HIGH GROWTH	INFLATION
• Growth Stocks • Real Estate	• Commodities • Defensive Stocks • Real Estate • Cash
LOW GROWTH	DEFLATION
• Value Stocks • Dividend Stocks • Bonds	• Bonds

Portfolio Distribution
Stock Market ↑ Taxes ↓	Stock Market ↓ Taxes ↓
• IRA's • 401(k)s • Annuities	• IRA's • Cash Equivalents • Taxable Bonds • Guaranteed/Immediate Annuities
Stock Market ↑ Taxes ↑	Stock Market ↓ Taxes ↑
• Roth IRA / 401k • Stock Funds  - Qualified Dividends  - Long-Term Cap Gains	• Cash Value Life Insurance • Municipal Bonds

A More Comfortable Retirement is possible.

click here to contact us for a free, no obligation consultation