The Top Minds · 360° LIFE DESIGN™

Six Forces Destroying Your Retirement Income

Your 401(k) was never designed to protect you from any of these.

1
Longevity risk
Outliving your financial assets as the result of a longer-than-expected life. You live to 92. Your savings ran out at 81.
Americans are living 7–10 years longer than the last generation. Your plan was built for a shorter life.
2
Liquidity risk
Limited access to assets when unexpected financial needs arise — healthcare, family, home — forcing you to sell at the worst time.
Average lifetime healthcare costs: $315,000 per couple. Most retirement plans have no liquidity strategy.
3
Inflation risk
Reduction in real purchasing power as the cost of living rises. $6,000/month today buys $3,200/month in 20 years at 3% inflation.
A fixed retirement income loses half its purchasing power every 23 years. Your 401(k) withdrawal is fixed.
4
Market risk
Unexpected reduction in asset value at the moment of withdrawal. A 30% crash the year you retire permanently destroys 10 years of gains.
The sequence of returns — not average returns — determines whether your money lasts. One bad year at the wrong time is permanent.
5
Mortality risk
Loss of household income when a spouse or partner passes. Social Security drops to one benefit. Pension income may stop entirely.
The surviving spouse faces an immediate income reduction of 30–50% with no change in fixed expenses — and no plan to recover it.
6
Tax risk
Decreased income and legacy impairment from increasing taxes on 401(k) withdrawals. Every dollar you saved is pre-tax. Uncle Sam comes first.
A $500,000 401(k) in the 24% bracket is worth $380,000 after taxes. Your balance is not your income.

Every one of these risks has a specific structure designed to solve it.

A complimentary 45-minute 360° LIFE DESIGN™ Strategy Session maps your personal exposure to all six — and shows you exactly how to Blueprint the Income. Architect the Life.

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The Top Minds™
This material is for educational purposes only and does not constitute a recommendation to purchase any specific product or strategy. Insurance products are subject to underwriting and carrier review. Carriers rated A or higher by AM Best.  ·  (888) 896-8858  ·  [email protected]