Retirement Income Rescue Plan
Strategic Strategy for Inflation & Market Risks
How to Plan for a Stable and Growing Retirement Income
The Challenge
Longer life expectancies, rising inflation, and market volatility make retirement planning more complex than ever.
The Impact
A dollar today won't have the same buying power in the future. At 3% inflation, $100 today costs $181 in 20 years.
The Strategy
Indexed strategies provide market growth potential with downside protection, with a goal for your income to grow with inflation.
Historical Inflation Reality
From 1970-2020, inflation averaged 3.89% annually. In the 1970s-80s, it reached double digits, severely impacting purchasing power. *Federal Reserve Bank of Minneapolis
For retirement income of $50,000 today, you'd need $90,000 annually in 20 years just to maintain the same lifestyle.
FERS federal employees and retirees should be aware of how their COLA adjustments compare to inflation data.
37%
Market Drop
The S&P 500 decline in 2008, devastating retirement portfolios during withdrawals
5%
Average Return
Indexed strategies can provide growth while protecting against market losses
$72K
Future Need
That's what $40K retirement income today requires in 20 years due to inflation
"The longer you wait, the harder it becomes to catch up. Don't let uncertainty and inaction rob you of the retirement you deserve."
01
Assess Your Risk
Understand how inflation and market volatility threaten your retirement security
02
Explore Indexed Annuity Strategies
Learn how these tools provide growth potential while protecting your investment.
03
Take Action Today
Implement a plan that protects and grows your retirement income with confidence
Ready to Secure Your Future?
Now is the time to take control of your financial future. Work with us to put a plan in place that not only protects you but allows you to enjoy retirement with confidence.
Troy Barrow, Financial Advisor
Life Capitalized Financial LLC
WWW.LIFECAPITALIZED.COM
Life Capitalized Financial LLC
WWW.LIFECAPITALIZED.COM
Data Sources: U.S. Census Bureau, National Institute on Retirement Security (NIRS), U.S. Bureau of Labor Statistics (BLS), Federal Reserve Bank of St. Louis, S&P Dow Jones Indices, Morningstar, National Association for Fixed Annuities (NAFA), U.S. Bureau of Economic Analysis, Financial Industry Regulatory Authority (FINRA), U.S. Department of Labor.
Disclosures: The opinions expressed are for general information and should not be considered a solicitation. Content developed from sources believed accurate. Not intended as tax or legal advice.
Annuities are long-term investments with potential penalties for early withdrawal. All guarantees contingent on issuing company's financial strength. Past performance not indicative of future results. Individuals cannot invest directly in an index. The performance of an unmanaged index is not indicative of the performance of any specific security. The guarantees of indexed annuities may cover only a certain percentage of the initial investment. The participation rate (which is the amount of index gain that the insurance company will credit to the annuity) is set and limited by the issuing insurance company. And sometimes there is a cap rate, which is the maximum rate of interest the annuity can earn. Some insurance companies reserve the right to change participation rates, cap rates, and other fees either annually or at the start of each contract term; these types of changes could affect the investment return. Based on the guarantees of the issuing company, it may be possible to lose money with this type of investment. Therefore, it is recommended that you understand how the contract handles these issues before deciding whether to invest.
Investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member SIPC, 561-314-3100 www.htk.com. Life Capitalized Financial LLC is not affiliated with HTK. The material is not intended to be a recommendation, offer or solicitation. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation.
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