{"id":2975,"date":"2022-12-02T16:31:17","date_gmt":"2022-12-02T21:31:17","guid":{"rendered":"https:\/\/www.thewealthguardians.com\/staging\/3023\/?p=2975"},"modified":"2022-12-02T16:34:04","modified_gmt":"2022-12-02T21:34:04","slug":"thinking-of-delaying-retirement-think-again","status":"publish","type":"post","link":"https:\/\/www.thewealthguardians.com\/staging\/3023\/thinking-of-delaying-retirement-think-again\/","title":{"rendered":"Thinking of Delaying Retirement? Think Again."},"content":{"rendered":"<body><p><\/p><img decoding=\"async\" class=\"wp-image-2976 alignright\" src=\"https:\/\/www.thewealthguardians.com\/staging\/3023\/wp-content\/uploads\/2022\/12\/12.30.22-BLOG-IMAGE-FOR-WEBSITE-NEW.png\" alt=\"\" width=\"501\" height=\"282\" loading=\"lazy\" srcset=\"https:\/\/www.thewealthguardians.com\/staging\/3023\/wp-content\/uploads\/2022\/12\/12.30.22-BLOG-IMAGE-FOR-WEBSITE-NEW-200x113.png 200w, https:\/\/www.thewealthguardians.com\/staging\/3023\/wp-content\/uploads\/2022\/12\/12.30.22-BLOG-IMAGE-FOR-WEBSITE-NEW-300x169.png 300w, https:\/\/www.thewealthguardians.com\/staging\/3023\/wp-content\/uploads\/2022\/12\/12.30.22-BLOG-IMAGE-FOR-WEBSITE-NEW-400x225.png 400w, https:\/\/www.thewealthguardians.com\/staging\/3023\/wp-content\/uploads\/2022\/12\/12.30.22-BLOG-IMAGE-FOR-WEBSITE-NEW.png 560w\" sizes=\"auto, (max-width: 501px) 100vw, 501px\" \/>You probably know a lot of your friends that are rethinking their retirement plans because of how stock markets have performed in 2022. Well, they are not alone. In fact, a survey from the nonprofit group Life Happens suggests that a whopping 53% of Americans say they plan to postpone and continue working past their retirement date.\n<p>This is troubling for lots of reasons. And while it\u2019s impossible to make blanket statements or give advice that fits the masses, there are a few important questions that all pre-retirees \u2013 as well as those currently in retirement \u2013 need to ask themselves. Because at least once a year, it\u2019s important that you make an honest assessment of where you are \u2013 and how you got there.<\/p>\n<p>Ask yourself:<\/p>\n<ul>\n<li>How is your health? Did you know that 4 out of 10 current retirees said they were forced to retire earlier than planned because of health issues? Of course you don\u2019t know what the future holds for you in terms of your health, but an honest assessment is a great investment in you.<\/li>\n<li>How is your asset allocation? More specifically, if you are retired now, were you invested 100% in equities hoping for one or two \u201cgreat\u201d years from the stock market? Not reallocating your portfolio away from equities when you are in retirement is actually a pretty common mistake. But it can be devastating too.<\/li>\n<li>Did you alter your financial plan because of market pullbacks? Asked another way: did you change your investments because you were scared? Trying to time the market based on fleeting emotions is a dangerous game.<\/li>\n<\/ul>\n<p>Just remember, if your asset allocation remains inconsistent with your retirement goals and risk profile, then you\u2019re setting yourself up for disappointment.<\/p>\n<p>If you remember anything, please remember this: when planning for retirement, you model out your financial expenses and lifestyle choices. But just because you\u2019re retired, it doesn\u2019t mean that your planning stops.<\/p>\n<p>You hear it all the time: 70 is the new 60 or 80 is the new 70 or whatever age you are is the new age minus a decade. Because the reality is we are living longer. And as you know, things are getting more expensive too.<\/p>\n<p>Your financial plan should be designed so you can enjoy retirement.\u00a0 And our <a href=\"https:\/\/www.thewealthguardians.com\/staging\/3023\/custom-retirement-paycheck-plan\/\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #ff0000;\"><strong><em>Custom Retirement Paycheck Plan<\/em><\/strong><\/span><\/a> is designed to help you sleep better at night knowing that your retirement is taken care of. We\u2019ll work with you one-on-one to create a plan tailored specifically for you, based on strategies that balance growth with downside protection.<\/p>\n<p><a href=\"https:\/\/www.thewealthguardians.com\/staging\/3023\/custom-retirement-paycheck-plan\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"size-full wp-image-2204 aligncenter\" src=\"https:\/\/www.thewealthguardians.com\/staging\/3023\/wp-content\/uploads\/2021\/05\/PBIO-Mock-Up-for-Weekly-Blogs-1.gif\" alt=\"\" width=\"600\" height=\"600\" loading=\"lazy\"><\/a><\/p>\n<blockquote>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.thewealthguardians.com\/staging\/3023\/custom-retirement-paycheck-plan\/\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #ff0000;\"><strong><em>&gt;Click here to learn more<\/em><\/strong><\/span><\/a><\/p>\n<\/blockquote>\n<p>This custom-tailored plan shows how to protect your retirement from the risks of unexpected market swings, tax changes, and health care expenses using a mathematically tested strategy to create lifetime income. If you\u2019re ready for your Custom Retirement Paycheck Plan, <a href=\"https:\/\/www.thewealthguardians.com\/staging\/3023\/landing\/?inf_contact_key=dd827bb4650f0bf88549d4f30e9761d8\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #ff0000;\"><em><strong>click here to schedule your no-cost, no-obligation meeting today<\/strong><\/em><\/span><\/a>! Or give us a call at our office at (336) 391-3409.<\/p>\n<p>You have nothing to lose and everything to gain by taking the first step towards <strong>RETIRING THE JOB and KEEPING THE PAYCHECK!<\/strong><\/p>\n<hr>\n<p><strong>[SOURCES &amp; ADDITIONAL DISCLOSURES]<\/strong><\/p>\n<p>Copyright \u00a92022Financial Media Exchange LLC., All rights reserved. Distributed by Financial Media Exchange.<\/p>\n<\/body>","protected":false},"excerpt":{"rendered":"<p>You probably know a lot of your friends that are rethinking their retirement plans because of how stock markets have performed in 2022. Well, they are not alone. In fact, a survey from the nonprofit group Life Happens suggests that [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2976,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[109],"tags":[348,29,349,62,347],"class_list":["post-2975","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement-planning","tag-fixed-income","tag-income","tag-retired","tag-retirement","tag-security"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Thinking of Delaying Retirement? Think Again. - The Wealth Guardians<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.thewealthguardians.com\/thinking-of-delaying-retirement-think-again\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Thinking of Delaying Retirement? Think Again. - The Wealth Guardians\" \/>\n<meta property=\"og:description\" content=\"You probably know a lot of your friends that are rethinking their retirement plans because of how stock markets have performed in 2022. Well, they are not alone. In fact, a survey from the nonprofit group Life Happens suggests that [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.thewealthguardians.com\/thinking-of-delaying-retirement-think-again\/\" \/>\n<meta property=\"og:site_name\" content=\"The Wealth Guardians\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-02T21:31:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-02T21:34:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.thewealthguardians.com\/wp-content\/uploads\/2022\/12\/12.30.22-BLOG-IMAGE-FOR-WEBSITE-NEW.png\" \/>\n\t<meta property=\"og:image:width\" content=\"560\" \/>\n\t<meta property=\"og:image:height\" content=\"315\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Brooks Brown\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brooks Brown\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.thewealthguardians.com\/thinking-of-delaying-retirement-think-again\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.thewealthguardians.com\/thinking-of-delaying-retirement-think-again\/\"},\"author\":{\"name\":\"Brooks Brown\",\"@id\":\"https:\/\/www.thewealthguardians.com\/#\/schema\/person\/8d9c46b00a53c43619dcc5a1d6c76d59\"},\"headline\":\"Thinking of Delaying Retirement? 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