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RETIREMENT PLANNING

A Systematic, Goal-Based Approach

THE FOUR PILLARS OF RETIREMENT

The Four Pillars methodology for retirement planning is a systematic planning system designed to maximize efficiency and decrease volatility. The Four Pillars provide retirees a unique and powerful approach to retirement in today's complex financial environment.

How We Use The Four Pillars of Retirement<br/>

How We Use The Four Pillars of Retirement

The Four Pillars methodology for retirement planning is a systematic planning system designed to maximize efficiency and decrease volatility. The Four Pillars provide retirees a unique and powerful approach to retirement in todays complex financial environment.

Financial concerns run the gambit from being laid off from work, to not having a stable living situation. A recent Employee Financial Wellness Survey polled workers about the issues most pressing to them. Over the past 6 years the top concerns remain the same.

*“2019 Employee Financial Wellness Survey.” PWC, 2013-2019. 
*More recent data my alter this data

Insufficent emergency savings

Insufficent emergency savings

Not being able to retire when I want to&#160;

Not being able to retire when I want to 

Not being able to meet monthly expenses&#160;

Not being able to meet monthly expenses 

Being laid off from work&#160;

Being laid off from work 

Income

Stable income could be considered the most important aspect of retirement. The Four Pillars bring a holistic approach to income planning. Considered strategies include maximizing Social Security, pension structure, detailed income needs analysis and the effects of inflation over the course of a lifetime.

Care

Health care and assisted care expenses are growing. Having a pre-determined plan in place to address these issues can be important. The Four Pillars will help construct a plan to combat the costs of long-term care while also offering the possibility of passing unused proceeds to family, a loved one or charity.

Transfer

Sometimes leaving a financial legacy is an important desire. Using specific tax-advantaged strategies can make sure wealth transfers to another generation without the costs and hassle of probate and estate taxation.

Support

Unexpected circumstances arise during retirement. The Four Pillars will help design investment strategies to get through rough times utilizing wise investment allocations aimed to help achieve desired goals.

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Do You Know These 4 Critical Social Security Facts?

In this ebook, we outline four important Social Security facts that every retiree should know and help you understand your benefits. Download yours today.



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