{"id":2235,"date":"2021-06-03T13:29:10","date_gmt":"2021-06-03T17:29:10","guid":{"rendered":"https:\/\/www.thewealthguardians.com\/staging\/3023\/?p=2235"},"modified":"2021-06-03T13:29:10","modified_gmt":"2021-06-03T17:29:10","slug":"5-big-problems-to-solve-before-you-retire","status":"publish","type":"post","link":"https:\/\/www.thewealthguardians.com\/staging\/3023\/5-big-problems-to-solve-before-you-retire\/","title":{"rendered":"5 Big Problems to Solve Before You Retire"},"content":{"rendered":"

<\/p>\"\"It seems, sometimes, as though financial professionals come in only two flavors.\n

There are those who promise everything is going to be fine; you don\u2019t have to fret about retirement, they say, because they\u2019ll help you make more than enough money to get you through.<\/p>\n

And then there are the handwringers who just can\u2019t stop with the worrying and their warnings that you\u2019ll never have enough.<\/p>\n

Somewhere in the middle is the reality, of course. Retirement should be a reward for years of hard work, and you don\u2019t want to have to pinch every penny. You should be able to do the things you couldn\u2019t when you were punching a clock every day.<\/p>\n

You should be able to look forward to retirement as one of the best times of your life.<\/p>\n

But, that said, if you want your money to last, if you want to live comfortably in your 60s, 70s, 80s and beyond, you should consider some common concerns, including:<\/p>\n

    \n
  1. How much will you have available to support yourself?<\/strong><\/li>\n<\/ol>\n

    Maybe not as much as you think. Financial professionals used to commonly say you\u2019d likely be OK in retirement if you started with a 4% annual withdrawal rate. But some 2013 research by Morningstar\u2019s head of retirement research, David Blanchett, may have changed that theory.<\/p>\n

    Co-authored by two college professors who are experts in retirement planning, Michael Finke, and Wade D. Pfau, the analysis found that a 2.8% withdrawal rate over a 30-year retirement had a much higher chance of success (90% vs. 48.2%) if interest rates remain low.<\/p>\n

    If you have $1 million saved, that would take you from $40,000 a year down to $28,000. That\u2019s quite a difference, and definitely something to keep in mind when you\u2019re drawing up an income plan.<\/p>\n

      \n
    1. Have you protected yourself against inflation?<\/strong><\/li>\n<\/ol>\n

      Most experts are forecasting that inflation will go up over the next 30 years \u2014 maybe even more than originally predicted now that President Trump isn\u2019t in office.\u00a0 But many retirees don\u2019t even think about inflation when they\u2019re making their plans. They say, \u201cI\u2019ve got $1 million divided by $40,000 a year, and that should last me 25 years.\u201d But if the rate of inflation does increase, and you haven\u2019t made adjustments to deal with it, it could take a real toll on your future income.<\/p>\n

        \n
      1. Are you managing risk?<\/strong><\/li>\n<\/ol>\n

        One of the worst things I see retirees do in retirement (and pre-retirement) is have the same risk profile that you had in your 30s and 40s. When you\u2019re drawing income from your assets, it\u2019s incredibly difficult to come back from a market downturn \u2013 just ask the folks who were getting ready to retire back in 2008. If you\u2019re taking $3,000 or $4,000 a month from a depreciating asset, you\u2019re going to run out of money much faster.<\/p>\n

        It\u2019s important to bring risk under control, and you can do that with some common strategies such as:<\/p>\n

        Diversifying your assets:\u00a0 Don\u2019t have all your eggs in one basket. Control volatility by choosing investments with a proven track record and having enough fixed income in your portfolio.<\/p>\n

        Having a tactical strategy for downside protection of your risk assets that take the emotion out of trading.<\/p>\n

        Considering income annuities:\u00a0 This is one of the strategies Pfau and Finke came up with in the Morningstar study. Guaranteed annual payouts are normally 4% to 5% per year of the contract\u2019s accumulated value, which has the potential to double the amount of income you\u2019ll have.<\/p>\n

          \n
        1. Is your retirement plan tax-efficient?<\/strong><\/li>\n<\/ol>\n

          We\u2019re sitting with a national debt that\u2019s nearing $30 trillion and rising. And we have nearly $25 trillion sitting in retirement accounts in the United States \u2014\u00a0 401(k)s, IRAs, 403(b)s and so on \u2014 according to the Investment Company Institute.\u00a0 It would be foolish to think that Uncle Sam won\u2019t figure out how to make the most of those tax-deferred dollars.<\/p>\n

          We\u2019ve created a situation with our nation\u2019s debt that we\u2019ll eventually have to deal with, or it will be passed down to our kids and grandkids. You should consider a tax strategy in your plan to help reduce your tax liability.<\/p>\n

            \n
          1. Are you prepared for health care costs?<\/strong><\/li>\n<\/ol>\n

            According to the U.S. Department of Health and Human Services, 70% percent of people turning age 65 can expect to use some form of long-term care during their lives.\u00a0 Those are awfully high odds, and yet many Americans have no way to pay those bills \u2014 and Medicare only covers short stays under specific circumstances.<\/p>\n

            There are long-term care insurance policies, but because they\u2019re expensive, many consumers aren\u2019t buying. Instead, many are turning to alternative strategies, including life insurance riders that provide the option of tapping into your death benefits early. But even with insurance riders, the insurance contract must be suitable for the individual, and they must have an underlying need for that product.<\/p>\n

            It really is all about planning for the worst and hoping for the best.<\/p>\n

            If you have a blueprint in place that addresses with these five concerns \u2014 a plan that\u2019s amendable as times change so you stay on the right track \u2014 you have the greater potential to enjoy retirement.<\/p>\n

            What do you do now? <\/strong><\/p>\n

            TAKE ACTION!<\/u><\/strong> Protect your retirement from the risks of markets, taxes, and health care.<\/p>\n

            Our\u00a0Custom Retirement Paycheck Plan<\/em><\/strong><\/span><\/a>\u00a0shows how your benefits interact with other income sources including Required Minimum Distributions (RMDs), dividends and interest, capital gains, and other income (Pensions, annuities, rental income, etc.). We provide a custom report that will show you how and when to file for Social Security to maximize your benefit.<\/p>\n

            Let us show you in black and white a custom retirement income plan that is comprehensive, individualized and based on strategies that balance growth with downside protection. Get your\u00a0Custom Retirement Paycheck Plan<\/em><\/strong><\/span><\/a>\u00a0now!<\/p>\n

            \"\"<\/a><\/p>\n

            Give us a call at our Charlotte office at (704) 248-8549, or our Clemmons office at (336) 391-3409. Or, click here to request a no-cost, no-obligation meeting.<\/u><\/em><\/strong><\/span><\/a><\/p>\n

            \n

            [SOURCES & ADDITIONAL DISCLOSURES]<\/strong><\/p>\n

            Copyright \u00a9 2021 The Kiplinger Washington Editors. All rights reserved. Distributed by Financial Media Exchange.<\/em><\/p>\n<\/body>","protected":false},"excerpt":{"rendered":"

            It seems, sometimes, as though financial professionals come in only two flavors. 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