Moving Forward, Mitigating Risk, Enjoying the Future
nEVER rUN oUT OF iNCOME
What happens if we outlive our money? It's something we all worry about. There are several ways that can happen, and most people can feel the possibility deep down. One way is called "longevity risk." Once you stop working, your money will have to last for the rest of your life. There is no way around it. What if you live too long? That should be celebrated, not feared. You took care of yourself and did well. You pretty much won the race. How do you not trip at the end?
Retirement expense planning
What kind of lifestyle can we have in retirement? What about the unexpected?
If you want to keep doing the things you love, you'll need to plan for routine expenses. That's just part of the puzzle. You also need to plan for catastrophic expenses. Those are 2 sides of the same coin. We provide foresight and solutions for the expected, and the unexpected. Make sure you're ready for the long term.
Financial Risk Mitigation
As we get older, we need to be more careful. The stakes are higher, and the consequences are bigger. Can your portfolio survive a depression, or even a minor recession? When you get close to the finish line, you don't need to keep taking the risks you took to get there.
We find many clients are over-exposed to market risk, and aren't even aware of it.