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Retirement Planning

Living Your Retirement

You've spent a lifetime earning your right to enjoy retirement. It can be a time to relax, an opportunity to reinvent yourself or a chance to give back—sometimes it's all this and more. Whatever you have in mind, you need the financial flexibility to make choices based on what you want to do, not what you need to do. Your advisor can help create a retirement cash flow plan aimed at supporting your lifestyle to the fullest, while being flexible enough to adjust to unforeseen circumstances.

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The New Retirement

An effective retirement portfolio should generate a high enough investment return to meet your after-tax expenses and outpace inflation, while protecting you as much as possible from market downturns. As you move to the next chapter of your life, there are several items for you to take into account:

  • Creating a sustainable stream of retirement income
  • Transitioning from growth to wealth and capital preservation focus
  • Managing distributions to maximize after-tax income. To learn more, read our IRA Distribution Manual (PDF)
  • Keeping your asset allocation on track
  • Planning for healthcare and long-term care needs
  • Setting up an estate plan
  • Annually reviewing your plan to keep spending on track

Congratulations on your successful career. It's time to enjoy your retirement.

For more information, please contact your Financial Advisor.

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