Planning, developing, and implementing retirement income strategies is both an art and a science.
- The art is your relationship with your clients—helping them envision their retirement and determine their wants and needs.
- The science is determining which financial products are appropriate and how they are allocated to help your clients meet their lifetime income needs, while managing the challenges they may face during their retirement years.
By diversifying your clients' retirement assets among multiple types of products to help manage risks such as sequence of returns, inflation, and longevity you may help to create sustainable cash flow for their lifetime.
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A Protected Approach to Retirement SpendingImagine retirement savings as a large loaf of bread. How much do you cut off for legacy and emergency? How much for spending in retirement? This white paper covers research to help retirees get the most out of retirement. VLC2256-0921WDownload Email
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Resource Sheet to Protect Against Identity FraudA resource sheet that offers websites to help protect against Identity Fraud. VLC0935-1218Download Email
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Educational Guide on Senior FraudThis educational guide provides several resources to help with fraud protection and exploitation of assets by third parties when challenges from cognitive decline arise. VLC1222-1218Download Email
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Taking RMDs While Preserving a LegacyUse a retirement income strategy to help balance market risk and preserve assets. 25112-16ADownload Email
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Income and Expense WorksheetThis worksheet can help clients determine how much monthly income they may need in retirement. VLC0095-0319Download Email
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Understanding the Sequence Of ReturnsAn introduction to the impact of the Sequence of Returns on clients' portfolios and their retirement income. VLC0437-0722Download Email
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Understanding Dollar Cost AveragingAn educational brochure that provides general information about Dollar Cost Averaging as an investing strategy for retirement. VLC0438-0920Download Email
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Create Lifetime Income for RetirementIntroduces the concept of building a retirement income strategy through product diversification and creating sustainable retirement income. 25114-15BDownload Email
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Understanding Rollover OptionsIf clients are changing jobs, or scheduled to retire soon, help them understand the rollover options for their retirement assets under soon to be previous employer plan. VLC0442-0922Download Email
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The Impact of the Sequence of ReturnsThe period just prior to and or following retirement, can impact a client’s retirement income. This effect is called the sequence of returns and it can be critical when they begin taking withdrawals. VLC0911-0622WDownload Email
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Understanding Asset AllocationHelp clients understand how asset allocation and discipline, over time may offer them a way stick to investment strategies more successfully. VLC0443-0922Download Email
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Understanding Fixed AnnuitiesWhat is a Fixed Annuity? Think of a fixed annuity as a way to help your money grow, while protecting you against the risk of outliving your retirement income. FAC0440-0223Download Email
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Understanding AnnuitiesThis brochure outlines the basics about annuities: the structuring, various types, and factors to consider when making an investment selection. VLC0441-0223Download Email
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CalculatorsRun product illustrations online or use our online calculators to assist in tax planning, retirement planning, distribution planning, and investment fee comparisons.
Want to Talk Further on this Topic?
The Retirement Strategies Group, subject-matter specialists with advanced degrees and designations such as CFA®, CFP®, ChFC®, CLU®, and JD, are ready to help.
Call
(800) 722-2333
In New York, (800) 748-6907
Email
RSG@PacificLife.com
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