Free Guide · For people nearing or living in retirement
The 10 Problems That Can Derail Your Retirement. And How to Prepare for Each One.
Two people can retire the same year with the same $1 million and earn the same average return over 30 years. One can still run out of money. This plain-English guide explains ten risks that can do the most damage early in retirement and practical ways to prepare for each.
What's inside
Ten risks, in plain English. Each with a practical next step.
- 01
The market drops the year you retire
Two people retire the same year with the same million dollars and earn the same average return over 30 years. One runs out of money.
- 02
Outliving your money
Nobody knows their expiration date. Plan to 85 and live to 95, and the last decade is the one you can least afford to get wrong.
- 03
Inflation cuts your income in half over time
There's no crash and no scary headline. Just a check that stays the same size while everything it buys gets more expensive.
- 04
Turning a pile of savings into a paycheck
You spent 40 years learning how to save. Nobody taught you how to spend it down.
- 05
Taxes take a bigger bite than you planned
The balance on your 401(k) statement isn't all yours. Part of it belongs to the IRS.
- 06
Health and long-term care costs
A market decline is not the only threat. Health and long-term care costs can reshape the plan.
- 07
Claiming Social Security at the wrong time
When you claim can materially change lifetime benefits, taxes, and the benefit left for a surviving spouse.
- 08
Carrying the wrong risk at the wrong time
The portfolio that made you rich is often the wrong one to retire on.
- 09
Emotion makes the decisions
The math might say one thing. Fear says another.
- 10
Fees and conflicted advice
A percentage fee rises as your portfolio grows, even when the planning work does not change at the same rate.
Why this guide is different
CERTIFIED FINANCIAL PLANNER® (CFP®)
Fiduciary duty, in writing
Flat annual fee. Never a percentage of your assets.
Assets held at Altruist, an independent custodian
Colorado Registered Investment Adviser
Who this is for
People nearing or living in retirement who want income, investments, taxes, insurance, and estate planning coordinated in one plan.
Get the 10 Problems guide
A plain-English playbook for the first decade of retirement. Complimentary.
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