Taking A Closer Look At Why So Many People Are Frustrated and Confused

When It Comes To Finding The Right Option For Generating Income During Retirement.

When considering an annuity for retirement income purposes, many consumers are initially intrigued by the idea of having a guaranteed lifetime income stream, but oftentimes become rather disenchanted after learning that most annuities also tend to have relatively low upside growth potential, level income payments (no inflation adjustments), and little to no liquidity/flexibility.

When considering a stock market-based portfolio for retirement income purposes, most retirees like the idea of unlimited upside growth potential, but often feel genuine concern with how unprotected their money is from a potentially serious market downturn.

Many retirees feel pushed and pulled all over the place by competing advisors or by commission-driven product salespeople that are not held to a fiduciary standard of advising their clients based solely on the clients’ needs and best interests and not their own potential compensation.

This reality can and does create a substantial amount of confusion in the mind of the client as to which “option” they should really be considering for best meeting their retirement objectives, and sadly can often lead to a retiree feeling pressured into a buying decision that they may ultimately come to seriously regret.

Additionally, we believe there is a serious void within the financial planning community when it comes to advisors being truly skilled at not only helping clients transition correctly from the accumulation phase of life into the income/preservation phase of life, but also adhering to the fiduciary standard of placing their clients' best interest about their own.

In spite of the frustrations that so many retirees have experienced with their investments in recent years, there are still sound methods available for achieving growth, income, and preservation of principal within a portfolio with limited downside risk.