Answers to questions you may have about your retirement and your investments


What is the best way for me to create a retirement income plan?

In retirement, several possible sources of income exist, such as Social Security, pensions, company retirement plans, IRAs or just savings and investments. The RSI Team developed proprietary tools to analyze the sources available to you and recommend a custom-tailored strategy to create predictable income, reduce taxes and help offset the ravages of inflation.

Don’t just make the same choices as the other people around the water cooler. Developing a retirement income plan that reflects your unique resources, needs, values and aspirations are one of the most important planning steps you’ll ever take.

Am I taking too much or too little risk with my investments?

One of the great lessons of the past 10 years is: taking more risk with your investments does not mean you’ll earn greater returns. Volatility you may experience while accumulating investments can be helpful, yet it can be destructive when you’re living on your money.

Finding the right balance between taking enough risk to allow for growth of your investments, while maintaining adequate stability so you can sleep at night, is as much art as science.

Retirement Strategies works closely with you to help design an asset allocation plan appropriate for your goals and financial resources. Next, we create an Investment Policy Statement that establishes the objectives and expectations for your portfolio so you’re never surprised about the way your money is managed.

Do I have enough money to live on for the rest of my life?

This question may be the most important one of all. Knowing your financial security is in place is the key for many people to then feel the confidence to live their lives without worry.

Since we can’t predict the future, this question is also the most difficult to answer. After we create a financial plan, Retirement Strategies “stress-tests” that plan using four different methods so we can help you gain the confidence that your plan has the highest probability of weathering any stormy seas that might lie ahead.

Everyone needs this question resolved before taking that step from the world of the working to the world of financial freedom. We can help you answer it.

Am I paying too much in taxes?

While avoiding taxes altogether may not be a reality, taxes can take a tremendous bite out of your retirement income and assets.

Retirement Strategies believes appropriate tax planning means looking ahead many years, which led us to develop a proprietary tool to help us do just that. While we can’t know how tax rules and rates may change in the future, analyzing how your investments will change over time and considering the tax impact of those changes remains an important task.

We develop a plan and then work with your tax advisor to refine and implement an approach that’s right for you. We then monitor this strategy each year to reflect current and anticipated changes to the tax laws to keep your plan up-to-date.

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