Designing Your Retirement Portfolio

 

About The Case

Designing Your Retirement Portfolio

 

Understanding interest rates, bonds, annuities, and dividend stock investing along with other transition products can be challenging, if not confusing.

For example, after a lifetime of working for large firms, maybe you are practicing law on a part-time basis from a home office. Your wife, who is still working full-time as a physician, would like to retire in the next couple of years.

You own a couple of houses and several 401k retirement plans but with little additional retirement income besides social security. Along with great careers, you’ve built up substantial 401k balances. It took a while, but you got the hang of investing in equities, never comfortable with the ups and downs but always focusing on long-term growth.

But now you need income, not growth. Over the years, you owned some bonds with mix success. But unlike your foray into equity investing this time, you can’t afford on-the-job training. You need the income now. Plus, you have less time to recover from any mistakes.

Read more: How the New Retirement Secure Act Impacts You

Designing Your Retirement Portfolio

The Challenges

Designing Your Retirement Portfolio
  • Understanding interest rates, bonds, annuities, and dividend stock investing along with other transition products can be challenging, if not confusing.
  • As with most things in life, the first step is often difficult, but securing sound financial advice shouldn’t be left until it’s too late.
  • Finding a licensed and knowledgeable resource—it’s the best financial advice you’ll ever receive.

Hire a Financial Advisor

Designing Your Retirement Portfolio
  • with a keen understanding of interest rates and the bond market:
  • knowledge that is imperative when one talks about retirement income;
  • access to the products necessary to help you transition from growth to income;
  • will research your retirement accounts and let you know if leaving it with your 401k or 403b is a good option, or roll it over
  • will work to keep your costs low – because in a low yield world, the less you pay to someone else, the more you keep for yourself
Designing Your Retirement Portfolio

Tim is a Financial Advisor Advisor Who Can Design Your Retirement Portfolio

Retirement Financial Needs

Review your assessment of your needs.

Independence

I am an advisor who is not selling any proprietary products or has any sales quotas.

Portfolio

Recommend investments, based on an explicit balance of growth vs. security.

Because I am independent

You benefit from advice and products tailored to your unique financial needs.

Taxes

Design a strategy for minimizing your tax burden.

Cost

Hourly cost or fee-only, with an estimate of a not-to-exceed price for the initial consultation, and annual follow-ups

Investing

Diversification and Investment Portfolio Design

Diversification and rebalancing are crucial for those investors who are approaching retirement when they will be using the money.

Planning

It’s Not Your Your Retired With the Stock Market High and Interest Rates Low

The stock market, according to the CAPE, QRatio, and Marketcap to GDP is very expensive today; making retirement planning difficult.

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Tim offers financial and consulting services to help meet your unique needs.