Transform Your Retirement With Us.
Let Us Help You to Countdown to Your Retirement
We create a plan with diversified options. Diversification is critical when it comes to your retirement plan, since a diversified investment strategy can help protect against the unexpected while helping to reach your long-term financial goals. Managing risk means spreading your assets out among several types of accounts and creating income diversification within your retirement portfolio. True diversification is not just having different investments, but rather understanding the implications of each option in regards to several key factors, including:
Understanding tax-efficient strategies can help you keep more of your hard-earned retirement savings.
Having this flexibility in your portfolio can help you weather a market downturn without having to lock-in market losses at retirement.
While you may intend to retire at a certain age, other unexpected factors may cause you to spend some of your retirement funds earlier than you planned. It’s important to include alternatives that can be easily accessed in your retirement plan.
Together we will create a retirement plan tailored to meet your individual needs and goals. With the right plan, you can enjoy retirement years and still leave a legacy for your children or grandchildren. Sharpen your focus on saving for retirement and make it a priority.
Please note: Diversification and asset allocation does not guarantee a profit, nor do they eliminate the risk of loss of principal.
THE IMPACT OF MARKET VOLATILITY IN RETIREMENT
You work hard to accumulate assets to meet your retirement income needs. Even if you are on track to achieve your savings goal, there are many factors such as market volatility that can impact your retirement income. The fact is no one knows what the future holds in retirement so it is important to make sure your retirement portfolio is diversified to help reduce the impact of market volatility on your retirement income.
Here’s an example showing the impact of taking withdrawals during market volatility. This example assumes a $50,000 annual withdrawal from an investment account. The green line shows the impact of taking a withdrawal during all years, whereas the orange line shows taking withdrawals in all years except in the year following a negative market return.
It is impossible to predict the market conditions that you may face in retirement.
This is why it is so important to work with a retirement specialist that understands the power of starting early and diversifying your retirement strategy. Neoni Wealth Strategies has over 20 years of experience helping people and families in every stage of life prepare for retirement.
* For illustrative purposes. All values are hypothetical. Actual results will vary.
Chart is for educational purposes only. A diversified portfolio does not guarantee a better return than a non-diversified portfolio. Please consult your personal financial and tax advisors for guidance based on your circumstances.
Source: U.S. Marginal Income Tax Rates, 1913 to 2011
WHERE DO WE GO FROM HERE?
Our team has over 20 years of experience working with our clients and getting them ready to retire.