Distribution Life Stage

During retirement, your financial assets will do one of three things:
1 » increase despite regular withdrawals,
2 » stay the same, or
3 » gradually decrease.

We believe your assets should increase consistently throughout retirement with a significant portion remaining to fuel your legacy. However, when you are no longer working and begin making regular withdrawals from your portfolio, you risk the likelihood of running out of money.

Three potential risk areas for running out of money include the following:

LIVING A LONG LIFE

The risk of living longer is the higher probability that you will run out of money. Will you have enough money to provide for one, two, or even three decades of retirement?

INFLATION

Do you understand the difference between capital preservation and purchasing power preservation? Even if your portfolio doesn't decrease throughout retirement, the buying power of your money 10 or 20 years into retirement will be less than at the beginning of retirement.

TAXES

When should you pay taxes? Should you defer your taxes to withdrawal or pay them as you earn the money? We will help you understand what makes the most sense in your unique situation.