Retirement Income
The more monthly spending depends on investment withdrawals, the more important the timing and source of those withdrawals may become.
A Two-Minute Retirement System Check
A retirement plan can appear diversified while several important parts still depend on the same market outcome. Review six connected areas and identify where your plan may contain a single point of failure.
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The Important Question
Retirement risk is rarely isolated to one investment. It often becomes more serious when income, withdrawals, company stock, taxes and market exposure are all connected to the same favorable assumptions.
This educational exercise is designed to help you see those connections more clearly.
Your Retirement Grid
Select each area, answer one question and watch your grid take shape.
Your Grid Is Complete
Your Retirement Grid Results
The Connection Matters
A Perspective From Wilder
They often appear when income, withdrawals, company stock and market exposure all depend on the same favorable conditions. The purpose of this exercise is not to predict an exact market date. It is to identify questions that may deserve attention before conditions become more difficult.
— Wilder Bailey
Why These Six Areas?
The more monthly spending depends on investment withdrawals, the more important the timing and source of those withdrawals may become.
A long relationship with one employer can unintentionally create a retirement plan with too much dependence on one company.
A portfolio can contain many funds and still be heavily dependent on the same group of large companies and the same market direction.
Retirement income must support future purchasing power, not simply produce a number on a statement.
Readily available funds can help reduce the need to sell investments at an unfavorable time.
Social Security, pensions, taxes and account withdrawals often affect one another and deserve coordinated planning.
What This Exercise Is Designed to Do
What It Does Not Claim
The Next Step
You do not need to make a commitment, transfer an account or provide sensitive financial information to begin.