With pensions a rarity these days, retirees are looking for new ways to generate monthly income through investments or practical portfolio management. The 4% rule is often cited as a smart way to generate monthly income. You take 4% of your portfolio in cash every month and if all goes well you should never have to touch the principal. In reality, this idea depends on a constantly steady market, which only happens 50% of the time. We like to look at a broader picture, examining various tracks to secure monthly retirement income – with as little risk as possible. After all, this is not a dress rehearsal. You want to get it right. If you’d like to discuss retirement income solutions in greater detail, call our office at 724-382-1298 or complete the meeting form to the right to start a dialogue.
We do not take a haphazard, seat-of-the-pants approach to retirement income solutions. Rather, we have a time-tested process that has proven to be effective, which is one reason with have an extraordinary client retention rate.
Our method involves what we call the bucket approach. Here’s how it works:
While most financial advisors have a standard approach developing their clients’ retirement savings plan, we utilize progressive methods that are proven to eliminate guesswork with more positive results. They include:
Many financial advisors use the same strategy which isn’t always the right one. At Secure Money Advisors, we use more progressive, proven methods.
We suggest investing in annuities, which is like a pension, guaranteeing income later in life.
This strategy utilizes a mathematical formula based on data that tracks the market in correlation with our clients’ drawdown numbers. We are immediately alerted when market conditions change so we can adjust the drawdown numbers accordingly.
The beauty of our investment algorithm strategy is that we remove human error from the equation and mitigate the risk of our clients spending down their principal.
Maximize the retirement earnings of our clients and minimize any risk of them spending down their retirement portfolio.