Retirement Planning Strategies for Growth, Income, and Wealth Transfer

January 14, 2021


The uncertainty of current times has led many financial professionals to consider the value of protected strategies to help clients ensure a retirement they can count on.

Understanding how to manage the tools for a sound retirement is going to be the key to planning going forward. In retirement, investors are faced with three critical questions:

  1. What is your client’s age?
  2. What are your client’s circumstances?
  3. What legacy will I be able to leave for my heirs?

While the answers are somewhat different for each client, the concerns are the same. These critical questions must be answered during the retirement-income journey. By spending time planning and checking progress against measured goals, clients will have an indication as to where they stand.

Financial professionals can provide key insights to help their clients as they make the pivot from working/accumulation to retirement/distribution. Once retired, they are less likely to continue adding to their portfolio. Turning their savings into an income stream is a challenge many investors are not prepared for.

By using tax-efficient withdrawal strategies, financial professionals can help maximize the income that clients keep and minimize their tax burdens. This strategy can be a key factor in retirement-income planning, as it will allow clients to maximize the assets they have. Additionally, look at their legacy plans to help manage the ultimate destination of their assets. Efficient planning can make the difference in a successful retirement.




This material is educational and intended for an audience with financial services knowledge.



For more information about Retirement Planning strategies be sure to register for our webinar:

Client Conversations: Retirement Planning Strategies for Growth, Income, and Wealth Transfer

Participants may be eligible for 1.0 hour of CFP® Board CE credit.


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Pacific Life offers a broad and diversified range of products and solutions designed to help individuals and families achieve asset growth, sustainable retirement income, and long-term financial independence. We also help businesses manage and fulfill their long-term retirement plan commitments to employees.

Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. 

Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company (Newport Beach, CA) and an affiliate of Pacific Life & Annuity Company. Variable and fixed annuity products are available through licensed third parties.

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