Broker Check

Retirement Planning

Retirees Face Numerous Risks

Longevity

  • Long retirement horizons

Withdrawals

  • What rate is sustainable?
  • Sequencing by tax bucket
  • Managing RMDs

Retirement Income

Solvency

  • Pension plans and retiree benefits—a thing of the past
  • Social Security and Medicare

Retiree Spending

  • Replacement ratio
  • Essential versus lifestyle expenses
  • Medical expenses

Market Volatility

  • Uncertain returns and income
  • Impact of point in time
  • Asset allocation and location

Savings

  • Underfunded defined contribution accounts

Inflation

  • Erodes the value of savings and reduces returns