A Simple Retirement Strategy

Simple, easy-to-understand retirement strategies, made precisely for you.

Simple Retirement Strategy

As you approach the age of retirement you may find yourself asking, “What is a simple retirement strategy?” and “how can I have one?” With all the information that is available to you out there, the thought of planning for retirement seems overwhelming. 

First, retirees need to determine where they want to distribute their funds. Not only are there numerous types of investment accounts, but there is also a variety of investment choices inside those accounts. For example, you’ve had to decide whether to put your money in a 401(k), 403 (b), traditional IRA, Roth IRA, etc. Not only do you need to make those choices, but you also need to make decisions about which funds and how much to invest along the way. 

With all these decisions it’s hard to feel good about the idea of having a simple retirement strategy. But it’s possible. Here at Safe Harbor Retirement Solutions, we believe retiring should be simple, and we can help guide you there.

Retirement Made Easy

It’s Possible

Although, the many options for retirement can feel overwhelming. As retirement draws near you need a strategy that will protect your hard-earned savings. Riding the ups and downs of the stock market is one thing while you’re are in growth mode, but while in retirement you shouldn’t be at the mercy of the stock market. The market’s volatility means you could lose some of your hard-earned savings. You could be risking your nest-egg. Simply put, when you hit retirement age, it’s time to protect your money.

Certain types of life insurance products like indexed universal life (IUL) and fixed index annuities (FIAs) may offer you reassurance by keeping your principal safe. Also, fixed index annuities (FIAs) can be a suitable choice to provide you with a safe retirement income. These annuities offer a guaranteed* income that cannot be outlived, no matter the current market volatility. Additionally, your income could increase over time by implementing an optional income rider on your FIA. Last, but not least, a fixed index annuity (FIA) could provide you with a reasonable rate of return** over time.

What Is Retirement Made Simple?

Have you already set the date for your retirement? Or, maybe you just have a rough idea of when you want to make that change. Either way as you near retirement age you might want to take a more thorough look at your retirement savings accounts. Considering the future of your retirement depends on being ready this is a crucial step. 

This can be stressful and overwhelming but, you aren’t alone in this fear. Many retirees are feeling this way. Many times people don’t completely understand where their money is and how their funds are invested. Or they are concerned about what will happen to their retirement savings if the market goes down. This worry is sometimes so powerful for retirees they can’t even appreciate their retirement. This is a significant pitfall of retirement strategies that are too complex.

You should completely understand how your retirement strategy works, and where your capital is invested. Here at Safe Harbor Retirement Solutions, we believe retirement doesn’t need to be complicated. A good, simple retirement strategy is one that you understand, can be executed smoothly, and can help you attain your goals.

granddaughters at end of dock with their grandpa fishing simple retirement planning white bear lake mn

The most reliable retirement Strategies are straightforward and simple.

If you have to watch your strategy for retirement closely, maybe it isn’t the appropriate fit for you. Simple planning for your retirement means:

You have a financial advisor

that can clarify all your questions and help you properly plan.

You know where your money is

and how it is creating income for you.

You feel safe and confident

that your principal is guarded, no matter the state of the market.

How To Keep Your Strategy Simple

Our team here at Safe Harbor Retirement Solutions wants you to completely understand all your retirement options. Coming up with a financial strategy for retirement can be confusing, but it doesn’t need to be. Are you unsure about your retirement strategy? Looking to find out options to make managing things easier? We provide retirees with the information and education they need to make good decisions for their retirement. The bottom line is, a simple retirement strategy is one you understand, and feel confident in.

Some advisors make planning for retirement more complicated than it needs to be, but not the team here at Safe Harbor Retirement Solutions. During our sessions, we will go over your current account. We will speak about any changes in your life or with your money. Also, we can work together on a strategy for simple retirement, including how to protect your money long-term. We believe that a confident client is an educated client.

In addition to no-cost educational seminars, we also offer no-obligation “retirement Strategy reviews.”

During your reviews, we will go over your current retirement strategy. You’ll have the chance to get answers to any of your questions and we will make recommendations based on your current situation and goals for retirement. Simple retirement strategies are possible, and we can help guide you there.

*Backed by the claims-paying ability of the carrier.

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