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The Retirement Income Challenge

You start your career with a large amount of human capital. Over your working years, you convert your human capital into income to cover both your current expenses and to provide a source of savings to fund your future goals.

As you near retirement, the challenge is deciding how to position your nest egg between different financial tools and products to support your future spending goals and manage the risks confronting those goals.

The strategies that worked for your savings during your working years may not be best for your retirement years. Think of it like climbing a mountain. More people die descending Mount Everest than on the ascent. Spending down your retirement accounts is similar. It involves more risk than the trek up the savings mountain.

The goal is not simply to make it to the top of the mountain; it is also to get back down safely. The objective of a solid retirement plan is not just to make it to the top of the mountain by achieving a wealth accumulation target, but to make it down the mountain safely by having a plan to turn those assets into a stream of reliable income. The skillset and tools required to get down the mountain may not be the same as those needed to reach the summit.


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    It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.

  • Sell it.

    It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.