For Southern Nuclear employees & retirees
For Southern Nuclear Employees & Retirees
Southern Nuclear professionals tend to value disciplined systems, risk controls, and planning under stress. Retirement planning benefits from the same mindset: clear assumptions, defined risk boundaries, and an income plan designed to behave predictably when conditions change.
Independent fiduciary advisor with over 30 years of experience helping families navigate retirement through multiple market cycles.
Prefer to explore quietly? That’s fine. This page explains how I think and how I work.
Wilder Bailey, Founder
If you’re within 3 years of retirement: this is the most important planning window. Market declines, inflation, or rushed rollover decisions during this phase can permanently alter outcomes. It’s the right time to stress-test income, confirm benefit choices, and build a plan designed to withstand volatility—before retirement becomes irreversible.
Who this page is for
Employees
If you’re still working, we focus on how your 401(k) is positioned through this market cycle, what risks may be hiding in default allocations, and what you can do now—before retirement decisions become permanent.
Retirees
If you’re already retired, planning shifts toward income durability, drawdown management, and protecting purchasing power when markets and inflation don’t cooperate.
Common questions Southern Nuclear families ask
- Could my 401(k) assets benefit from active management?
- How do I build retirement income without relying on perfect markets?
- What happens if inflation stays elevated?
- How do I reduce sequence-of-returns risk?
- How would a major market reset affect my plan?
Southern Nuclear: a quick note
Micro-panelIn nuclear operations, planning is built around redundancy, contingencies, and defined tolerances. A retirement plan should reflect the same discipline: documented assumptions, clear decision rules, and an income strategy that remains stable through volatility.
- Stress-tested income: How the plan behaves if markets decline early in retirement.
- Defined tolerances: Clear limits for downside risk and allocation changes.
- Decision framework: Rollover choices, benefit timing, and a strategy you can defend.
If you’d like, use the Contact Page and we’ll keep the first conversation simple.
A familiar challenge—seen through a different lens
Complex systems break down not from lack of expertise, but when real-world conditions expose hidden assumptions.
One of the most consequential challenges during the Vogtle expansion emerged when concrete and rebar placement issues were identified—requiring completed work to be removed and rebuilt. The impact was not theoretical; it affected sequencing, timelines, and assumptions that had appeared sound until tested in real conditions.
In large-scale operations: the challenge is maintaining control when multiple variables change at once, timelines stretch, and outcomes depend on disciplined sequencing rather than optimism.
In investing: the challenge is building dependable income and stability when markets, inflation, interest rates, and global events can move together instead of offsetting one another.
Retirement planning succeeds when it is designed for stress and recovery—not ideal conditions.
Complex systems fail not from lack of effort, but from unexamined assumptions—and investing is no different.
If you’re exploring your options
- Read Don’t Be a Number to understand the difference between advice and product sales.
- Review Under Stress for a clear way to think about retirement planning under pressure.
- Use the Contact Page if you’d like a second set of eyes.