A recent study by the US Center for Retirement Research found that 51% of households are “at risk” of not having enough to maintain their living standards in retirement.  If you add the rising costs of health care and long term care, that percentage increases to 65%.   This is the result of a combination insufficient savings, poor investment performance and longer life expectancies.    As retirement planning specialists, we address all of these factors. 

Retirees often believe that they should not take any risks in their portfolio.  That may be true for some but very often people actually need to add more risk in order to increase investment returns.  On the other hand, taking on an inappropriate amount of risk cannot make up for years of not saving. 

During your pre-retirement years, we can help by reviewing your investments portfolio and recommending an appropriate level of risk based on your tiem horizon and market conditions. 

We help you design a retirement plan that takes into account your spending budget and investment risk.  We address issues like delayed retirement or part time work, when to claim Social Security benefits while maintaining the flexibility needed to handle the unknowns.