Retirement Roadblock

RETIREMENT ROADBLOCKS

Over the years, as we’ve guided retirees and pre‑retirees through the ups and downs of their retirement journey, one thing has become clear: most people will encounter several—if not all—of the seven major roadblocks that can threaten their financial security. Because these challenges can expose your retirement to unnecessary risk, we refer to them as financial dangers. The good news is that understanding these risks early gives us the opportunity to put the right strategies in place to help you avoid them and protect the retirement you’ve worked so hard to build.

Longevity

Inflation

Taxes

Sequence of returns

Healthcare

Social Security

Withdrawal rate

Longevity

Taxes

Retirement Roadblock Survey

Take our Retirement Roadblock Survey to get a clearer picture of where you stand. This quick assessment highlights the most common risks retirees face and helps you understand which ones may apply to your situation. Your results give us a starting point to build a safer, more confident retirement strategy.

Answer 7 quick questions to see where your retirement plan may have gaps. A specialist will follow up with personalized options based on your results.

1. Are you confident that your savings will withstand a 25 to 30+ year retirement? *

2. Do you have a plan to combat inflation's damaging effects on your purchasing power? *

3. Do you have alternate income sources not tied to the market to offset sequence of returns risk? *

4. Do you know what withdrawal rate is reasonable to help sustain your lifestyle in retirement? *

5. Are you confident that your Social Security benefits are optimized for yourself and your spouse?*

6. Do you have strategies to cover rising healthcare costs and potential long-term care needs? *

7. Do you have a tax allocation strategy to help minimize the impact of taxes during retirement? *

You're Almost Done! Get Your Personalized Retirement Review
Based on your answers, one of our retirement specialists will review your results and reach out with the options and next steps that best fit your situation — no obligation.

Full Name **

Spouse Name (if applicable)

Email **

Best Contact Phone **

Your Age

Spouse Age (if applicable)

Question*

I would like a second opinion. If you answered "No" to one or more questions above, you might want to review your strategy.

YES! I would like to schedule a complimentary financial review to explore financial strategies

Best Time for Appointment

List any specific questions/concerns you would like the presenter to address

Best Day for Appointment

Withdrawal rate

MAKING MONEY LAST

When you take money out of your savings for retirement, you want to be sure you aren’t emptying your tank too quickly. Aggressive withdrawal rates can compromise your retirement assets’ ability to generate retirement income throughout your retirement.

Longevity

LONGER LIFE, BIGGER RISK.

What if you live longer than planned? This could result in greater than anticipated retirement income needs. Longevity is the “risk multiplier” for other retirement income risks.

Inflation

SAME MONEY, LESS POWER.

Over time, your ability to maintain purchasing power can be impacted by increases in the cost of goods and services. As a result, your retirement income may need to increase each year to maintain your standard of living.

Taxes

PAY NOW OR PAY LATER.

With the national debt rapidly rising, tax rates and rules could change at any point. Diversifying your retirement savings into different tax vehicles can limit your exposure to these

Sequence of returns

TIMING IS EVERYTHING.

Market volatility may pose major challenges when withdrawing money from retirement assets. Withdrawals during market downturns in retirement could create a domino effect with no time to recoup those losses.

Healthcare

EXPECT THE UNEXPECTED.

Healthcare costs are one of the largest expenses in retirement. These unpredictable costs can catch you off guard and derail your retirement with expenses that can affect your financial well-being.

Social Security

CHOOSE WISELY.

With a multitude of options to choose from on when and how to file for Social Security benefits, it is only logical to take a closer look at which choice may guide your retirement income journey in the direction you want to go.

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