Provide for your retirement

• Understand there is no single solution that can cover every risk in retirement.

• Remember that retirement is about income, not assets.

• Don't neglect to address the sequence of returns risk.

• Use life insurance to supplement income.

 

Provide for your family

• Approach retirement income tools with an agnostic view.

• Recognize the value of a non-correlated asset.

• Use cash value life insurance as a buffer in a down market year.

• Understand the tax implications of different financial tools.

 

Provide peace of mind

• Acknowledge the advantage of having guarantees during retirement.

• Don't disregard longevity risk.

• Understand tax rate risk during retirement.

• Use life insurance and annuities to provide a safety net.

 

Provide for the unexpected

• Don't fail to recognize long-term care risks.

• Reduce the caregiving burden and stress on your family.

• Protect your retirement income and assets.

• Maintain your independence and financial freedom.