100 Europa Drive, Suite 410 Chapel Hill, NC 27517 Secure Client Portal
919 459 8181

Retirees Seeking Income

You may be …

  • Recently retired
  • Facing the challenge of converting a lifetime of savings into a monthly paycheck
  • Long on resources but short on time
  • Targeting multiple financial goals – travel, leaving money for the next generation, charitable giving, etc.

Your challenges, and how we help:

Challenge
Creating predictable income in retirement
Solution
Weigh annuities vs mutual fund investing. Typically, we suggest a strategy of “creating income” from your investments, instead of relying on dividends or buying high-fee products like variable annuities. For more, see this article in our Learning Center.
Challenge
Balancing investing risk and return: you need your money to work hard, but your risk tolerance is lower than it was
Solution
Create an investing plan using a “cushion” approach – putting enough money in bonds and cash to avoid having to sell stock even in a prolonged “bear market”
Challenge
Tax efficiency: how can you reduce your tax burden?
Solution
Build and execute a plan spanning a decade or more, taking advantage of projected changes in taxable income, including a potential “income desert” before your take Social Security
Challenge
Addressing long-term care
Solution
Determine need for long-term care insurance (versus self-insuring) and work with you through the maze of options
Challenge
Investing for multiple goals: you may be investing a portion of your money for your children and grandchildren
Solution
Agree a strategy for each “pool” of investments and potentially craft separate, defined portfolios for you and your heirs
Challenge
Social Security strategies
Solution
If you have not yet decided when to start your benefits, we can help you maximize your projected benefits