Enjoy Reliability of Income, The New ROI

How to Have More Fun in Retirement

Here's a point to consider when thinking about retirement. A simple statement which anyone can appreciate: It’s hard to have fun when you’re worried about money!

Indeed, it’s very depressing to live with an unstable income situation after your working years are over. No one wants to suffer through the uncertainty and worry. If your money is drawn down too soon, or you simply outlive your resources, even a substantial portfolio can be reduced or made unstable. Of course, no one can guarantee you won’t outlive your money. But, you can take a more proactive approach by optimizing the long-term distribution of your portfolio to create more "reliability of income" for your retirement years.

Here’s a few facts most people don’t think about:

• Investors have become sophisticated about accumulating portfolio assets;
• But they’re often unsophisticated about distributing those assets over time;
• It’s very important to know how to structure your income when you retire;
• People are indeed living longer and spending more than they should;
• Every year some of them discover they’re having less fun than they thought they would have because they’re worried their money won’t last;
• You’ve heard that ROI means: "return on investment;"
• In retirement, ROI has a different meaning: "reliability of income."

The Goal: Stable Income That Lasts

One of the basic differences between the accumulation mind-set, and distribution logic, is the whole idea of reliability. Accumulation thinking says ROI is "return on investment." Therefore to people who are accumulating their wealth, ROI means profitability and growth. However, in retirement distribution thinking is more focused on long-term income and preservation of capital. Stability and reliability of income takes on a great deal of importance.

In fact, the New ROI places a heavy emphasis on income over longer periods of time. This can help to remove the pervasive fears of outliving your assets and losing money from under-performing investments.

The New ROI offers:

• Inflation-adjusted income for life;
• Enhanced financial security;
• Ease of implementation and set up.

The New ROI strategy emphasizes income stability over long periods of time. By identifying which assets you have available for producing income, your Certified Financial Planner (CFP®) or Wealth Management Advisor can help you identify an appropriate baseline for retirement income. Then, they can help you allocate those assets with the goal of producing more reliable retirement income, adjusted for a reasonable inflation factor.

Additionally, the New ROI can help you keep some of your more aggressive assets invested for a longer time frame. This can help in correcting another problem when investors "churn" their assets by moving them in-and-out of particular positions too quickly, thereby suffering sub-par results along the way which can destabilize your financial security.

To Learn More

We can bring a strong track record and many years of experience as Certified Financial Planners (CFP®) and Wealth Management Advisors. For more information about our company please see About Us.

One quick and easy way for you to experience how the New ROI approach might work in your situation, is to fill out this short online form entitled: "Free Personal Reliability of Income Assessment." The information you provide can help determine whether the New ROI approach, which strategically targets reliability of income as it’s primary focus, may be right for you.

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