Momentum Investments’ Post

Understanding "Sequence of Returns Risk" is crucial for effective financial planning. Encountering a market downturn while withdrawing can affect retirement. Prioritize financial wellness and investor education to safeguard your financial future.

Retirement isn’t about replacing your paycheck. It’s about building your own. Let's say......you want $10,000/month in retirement. Social Security + pension provide $4,200. That leaves a $5,800 monthly gap your portfolio needs to fill. The strategy isn’t simply “withdraw 4%.” It’s about deciding: → Which accounts should fund the income → How taxes impact each withdrawal → How much cash to keep on hand → When to sell investments → How to replenish the cash reserve The goal? Turn your retirement portfolio into a predictable, tax-efficient paycheck. THAT'S retirement income planning. Questions? https://lnkd.in/g5nKEFbC

𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐢𝐬𝐧’𝐭 𝐨𝐧𝐞-𝐬𝐢𝐳𝐞-𝐟𝐢𝐭𝐬-𝐚𝐥𝐥, and it shouldn’t stay the same forever. The financial strategies that make sense early in your career may not fit later stages of life as income changes, family responsibilities grow, tax situations evolve, and retirement gets closer. The strongest financial plans aren’t set once and forgotten, they’re reviewed and adjusted as life changes. 📈 Whether you’re building wealth, planning for retirement, or navigating a new stage of life, regular financial check-ins can help keep your goals on track.

Just ran a review on an annuity where a client paid for an income rider for 15 years and received 0% in roll up on their benefit base. 15 years this went unchecked. Turns out they didn't follow the required investment restrictions in the annuity to receive the guaranteed roll up. No step ups available, the client's retirement plan is now up in flames. I can understand an honest mistake on the application, but no one bothered to look at an annual statement in 15 years?? This horror story proves how vital annual reviews are! Annuities are not a "set it and forget it" financial tool.

Financial wellness hinges on sound financial planning, especially in retirement. Sequence of Returns Risk can impact outcomes by forcing asset liquidation during market downturns, emphasizing timing's importance as much as returns.

Financial wellness hinges on sound financial planning, especially in retirement. Sequence of Returns Risk can impact outcomes by forcing asset liquidation during market downturns, emphasizing timing's importance as much as returns.

Turning 65 is an exciting milestone, but it also comes with important financial decisions that can have a lasting impact on your future. From Medicare enrollment and retirement income planning to Social Security and long-term financial goals, there are many factors to consider. This article highlights why having professional guidance during this transition can be so valuable.

Turning 65 is an exciting milestone, but it also comes with important financial decisions that can have a lasting impact on your future. From Medicare enrollment and retirement income planning to Social Security and long-term financial goals, there are many factors to consider. This article highlights why having professional guidance during this transition can be so valuable.

This article explores how high-income earners and business owners can utilize Indexed Universal Life (IUL), Fixed Index Annuities (FIA), and Multi-Year Guaranteed Annuities (MYGA) as strategic tools to build tax-efficient retirement wealth and secure a reliable income stream during retirement. Moving from building wealth to creating a tax-efficient income stream is often the most nuanced shift a high-earner has to make. When balancing your portfolio, do you find yourself prioritizing the flexibility of an IUL or the stability of a guaranteed annuity floor? I’d love to hear your take on which side of the scale you’re leaning toward right now! 💡 Most C-suite executives focus on the accumulation phase, only to get blindsided by IRMAA surcharges and the RMD tax cliff once they stop drawing a salary. Are you designing your exit for gross returns, or are you actually optimizing for the net lifestyle income you’ll keep after the government takes their cut? 🤔 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗱𝗲𝗲𝗽 𝗱𝗶𝘃𝗲 primusmax.life Educational content only. Not legal, tax, or financial advice.

This article explores how high-income earners and business owners can utilize Indexed Universal Life (IUL), Fixed Index Annuities (FIA), and Multi-Year Guaranteed Annuities (MYGA) as strategic tools to build tax-efficient retirement wealth and secure a reliable income stream during retirement. Moving from building wealth to creating a tax-efficient income stream is often the most nuanced shift a high-earner has to make. When balancing your portfolio, do you find yourself prioritizing the flexibility of an IUL or the stability of a guaranteed annuity floor? I’d love to hear your take on which side of the scale you’re leaning toward right now! 💡 Most C-suite executives focus on the accumulation phase, only to get blindsided by IRMAA surcharges and the RMD tax cliff once they stop drawing a salary. Are you designing your exit for gross returns, or are you actually optimizing for the net lifestyle income you’ll keep after the government takes their cut? 🤔 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗱𝗲𝗲𝗽 𝗱𝗶𝘃𝗲 primusmax.life Educational content only. Not legal, tax, or financial advice.