Investments In Retirement

Investing and saving while you are still working is one thing. But, investments in retirement may use different strategies. For example, many retirees and pre-retirees want to protect the majority of their money as they age. Indeed, all investments carry risk. However, you may be able to find a balance between how much of your savings are at risk versus in less risky financial That’s why it is important to seek out an advisor you may be able to help.

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Why We Do What We Do

Don’s motivation to enter the industry was due to observations he made in the early to mid 2000’s. He noticed that many people approaching or in retirement felt confused about their options and weren’t sure what to do. Also, he felt that there was a lack of understanding and knowledge for many retirees. In addition, when the 2008-2009 stock market drop occurred, Don felt that something should be done to help people prepare better for the risks of the market.

Essentially, Don believes that every client deserves to have someone in their corner, serving them with honesty and integrity.

Furthermore, Don is also an approved member of the National Ethics Association. His focus is on helping pre-retirees and retirees reach their retirement goals, with a combination of potential gains and protection of assets.

senior couple enjoying walk in the park investments in retirement

Why a fiduciary can help with investments in retirement

Don Retallick holds a Series 65 license. In order to maintain this licenses, an advisor must always act in the best interest of the client.

No matter what benefits may or may not be in it for Don, his ethical and legal requirement is that he must do what benefits the client. Specifically, Don is a fiduciary and has a high responsibility and a duty to each client. Investments in retirement call for a high degree of knowledge and understanding. Indeed, this is why having a fiduciary help you in your planning can be extremely helpful.

To clarify, not all people in the financial world have this same designation. In fact, some advisors are only held to a “suitability” standard. This means they don’t necessarily have to put the client’s best interest first. Instead, some advisors may only need to make sure the product is “suitable” for their client’s situation and need.

Management Services for Investments in Retirement

smiling senior couple with shore behind them investments in retirement

Retirement and all its options can feel overwhelming. However, it doesn't have to be this way.

One way to help gain more knowledge is to meet with us. In our meeting, we can go over where you currently stand, financially, and talk about possible recommendations. In addition, we can review considerations you may want to look at, specific to your own financial situation.

Some of these topics may include:
  • Planning & rollover options with 401(k)’s or 403(b)’s
  • Options for IRA’s
  • Possible tax concerns (NOTE: please consult a tax advisor)
  • RMD’s (Required Minimum Distributions)
  • Analysis of cash flow
  • Income planning for retirement
  • Leaving a legacy – what are your options?
  • Investments in retirement
  • Risk assessment
  • How to look at the whole picture in retirement
  • Questions and concerns about finances
  • Strategies for the long term
  • Aligning your plan to your needs

The 100 "Rule"

The rule of 100 isn’t actually a rule. Instead, it is a guideline. Basically, the rule of 100 gives retirees and pre-retirees a general idea of how much of their money they may want to consider risking in the market.

It works like this: What is the difference between your age and the number 100? That number provides a suggestion about how much of your money you may wish to potentially invest in the market.

For example, if you are 71 years old, here’s the rule of 100 calculation.

100 – 71 = 29

According to the Rule of 100, the above calculation tells us that 29% should be your guide. In other words, the idea is that you should not invest any more than 29% of your total assets into any risky investments. Keep in mind, of course, that all investments have risk. So, you’ll need to investigate your options for protecting your principal. Don Retallick’s focus is first on protection, and then on helping you with investments in retirement. Again, he has a fiduciary duty to put client needs first. Therefore, potential clients can meet with us to learn their options without risk of just being “sold.”

Your Future Matters

First, as you approach or enter retirement, you should feel confident about where your money is being held and how it is working for you. To help you navigate all your options, we offer services to meet with you and review your current situation. While we meet, we can discuss the details of your financial situation as it is today. In addition, we can look at possible options for you to enhance your overall plan. Finally, we can talk about what your goals are, and see how we may be able to help. No matter where you’re wanting to be in your retirement, we can give you the opportunity to talk with us about it, confidentially. 

Let's find out your options. Your future is what matters.

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