{"id":3073,"date":"2023-02-07T14:23:36","date_gmt":"2023-02-07T19:23:36","guid":{"rendered":"https:\/\/www.thewealthguardians.com\/staging\/3023\/?p=3073"},"modified":"2023-02-07T14:23:36","modified_gmt":"2023-02-07T19:23:36","slug":"thinking-of-delaying-retirement-think-again-2","status":"publish","type":"post","link":"https:\/\/www.thewealthguardians.com\/staging\/3023\/thinking-of-delaying-retirement-think-again-2\/","title":{"rendered":"Thinking of Delaying Retirement? Think Again."},"content":{"rendered":"<body><p><\/p><img decoding=\"async\" class=\"wp-image-3074 alignright\" src=\"https:\/\/www.thewealthguardians.com\/staging\/3023\/wp-content\/uploads\/2023\/02\/2.24.23-Blog-Image-for-Website.png\" alt=\"\" width=\"500\" height=\"281\" loading=\"lazy\" srcset=\"https:\/\/www.thewealthguardians.com\/staging\/3023\/wp-content\/uploads\/2023\/02\/2.24.23-Blog-Image-for-Website-200x113.png 200w, https:\/\/www.thewealthguardians.com\/staging\/3023\/wp-content\/uploads\/2023\/02\/2.24.23-Blog-Image-for-Website-300x169.png 300w, https:\/\/www.thewealthguardians.com\/staging\/3023\/wp-content\/uploads\/2023\/02\/2.24.23-Blog-Image-for-Website-400x225.png 400w, https:\/\/www.thewealthguardians.com\/staging\/3023\/wp-content\/uploads\/2023\/02\/2.24.23-Blog-Image-for-Website.png 560w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/>You probably know a lot of your friends that are rethinking their retirement plans because of how stock\u00a0 markets performed in 2022. Well, they are not alone.\n<p>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.<\/p>\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 you planned for retirement, you modeled out your financial expenses and lifestyle choices. But just because you\u2019re retired, it doesn\u2019t mean that your planning stops. 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 and sleep better at night. That\u2019s why we created 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>.<\/p>\n<p>With our CRPP, we\u2019ll show you 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 allowing you to stop worrying about outliving your money and get on with enjoying the rest of your life.<\/p>\n<p>Get your <a href=\"https:\/\/www.thewealthguardians.com\/staging\/3023\/custom-retirement-paycheck-plan\/\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #ff0000;\"><em><strong>Custom Retirement Paycheck Plan<\/strong><\/em><\/span><\/a> now!<\/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;\"><em><strong>&gt;Click here to learn more<\/strong><\/em><\/span><\/a><\/p>\n<\/blockquote>\n<p>Give us a call at our office at (336) 391-3409. Or, <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 request a no-cost, no-obligation meeting<\/strong><\/em><\/span><\/a>.<\/p>\n<hr>\n<p><strong>[SOURCES &amp; ADDITIONAL DISCLOSURES]<\/strong><\/p>\n<p>Copyright \u00a9 2022 Financial 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\u00a0 markets performed in 2022. Well, they are not alone. In fact, a survey from the nonprofit group Life Happens suggests that a [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":3074,"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-3073","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? 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In fact, a survey from the nonprofit group Life Happens suggests that a [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.thewealthguardians.com\/thinking-of-delaying-retirement-think-again-2\/\" \/>\n<meta property=\"og:site_name\" content=\"The Wealth Guardians\" \/>\n<meta property=\"article:published_time\" content=\"2023-02-07T19:23:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.thewealthguardians.com\/wp-content\/uploads\/2023\/02\/2.24.23-Blog-Image-for-Website.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-2\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.thewealthguardians.com\/thinking-of-delaying-retirement-think-again-2\/\"},\"author\":{\"name\":\"Brooks Brown\",\"@id\":\"https:\/\/www.thewealthguardians.com\/#\/schema\/person\/8d9c46b00a53c43619dcc5a1d6c76d59\"},\"headline\":\"Thinking of Delaying Retirement? 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