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For years, people have focused intensely on accumulating enough assets. However, the biggest risks facing retirees occur during the income distribution phase – when we retire and begin to live on our retirement savings. A proper distribution plan should cover three important checkpoints to meet its objective. The RISK ProcessTM incorporates all these steps into one comprehensive plan.
Traditional investment management focuses on asset allocation. However, once we retire and begin withdrawing money, everything changes. The focus shifts to turning these assets into life-long income streams that provide for our needs and wants throughout retirement.
To effectively make the transition from accumulating assets for retirement to distributing assets during retirement, The RISK Process™ helps you: Reassess your available assets and redeploy them most efficiently into various income solution as needed
When it comes to determining whether or not we are financially prepared to retire, the typical question is, “Do I have enough money?” However, the real question is not how much money we have but rather, “What percentage of savings can I withdraw each year to meet my income needs throughout retirement?” The RISK Process™ enables you to build a retirement income plan based on a withdrawal rate that helps ensure you won’t run out of money during retirement.
Ultimately, the decisions we make during the risk management process will largely depend on individual situations and attitudes toward the various risks. The goal is to decide, based on our personal circumstances and overall tolerance to the various risks, how much risk we are comfortable retaining versus transferring to a third party.
COMPLETE THE RISK QUESTIONNAIRE - CLICK TO GET STARTED
Stock Options (Incentive & Non-Qualified)
Net Unrealized Appreciation
Pension Election Analysis
Social Security Optimization
Bucketing Investment Strategy
Sale of Business
Large Future Purchases
Bucketed Income Planning
Effects of a Long Term Care Event
Estate Tax Liability Analysis
Annual Gifting Strategies
Charitable Remainder Trust
Private Loan Regime Split Dollar / ILIT
ARC and RISK: Which Plan is Right for You?
RISK: Every Year is a Roller Coaster
RISK: Bucketing Strategies - How to Sleep Well at Night
RISK: Changes Coming to Social Security
RISK: Donor-Advised Funds
RISK: Investor Behavior
RISK: Longevity Protection
RISK: Market Risk
RISK: Protecting Retirees
RISK: Qualified Longevity Annuity Contracts
RISK: The Sequence of Returns
RISK: Volatility Management