Today, retirement is quite different than it was for previous generations and it will continue to change, becoming more difficult for future generations. Why? People are living longer, so the money must last longer. Our clients want to stay in a lifestyle to which they have become accustomed. Plus, we must factor in inflation. Inflation at 4% (the past 20 year average is 3.6%.) This can have a devastating effect on spending dollars. It’s also important to understand that the healthcare inflation rate is more than double. These factors alone require far more individual planning for retirement than just one generation ago.
None of us can afford to make mistakes in retirement. It’s different than making a mistake at age 26, 36, 46, or even 56. AT those ages, most of us can still recover. But recovering from a financial miscue at age 66 or older is far more difficult today. Today’s pre-retirees and present retirees need to have a plan, and not just a product. Retirees need solutions and assurances. They need the services of a trusted advisor who can provide a guarantee regarding their retirement income. Every person at or nearing retirement should participate in a complete review with their advisor. Together with their advisor they can implement a plan and monitor its progress over the years.
As financial services professionals, we can help our clients determine the best places to put their money so that it’s safe, and so they can take advantage of all the legal tax advantages that could save thousands of dollars in retirement income. We can customize retirement plans that will guarantee our clients an income for life. The questions are simple… How much do you need, and when do you need it? Do you have a lifetime income plan that’s being monitored and maintained? If not, please give the Safe Money Agent Network a call, and we can find an agent to assist you with a customized retirement plan.
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