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Retirement Plans and Strategies

Retirement planning refers to financial strategies of saving, investment, and ultimately the distribution of money meant to sustain one’s self during retirement.

The retirement Planning Strategies can typically be divided by two life stages as

A) Accumulation stage: The goal will be to maximize retirement assets by using qualified and non-qualified retirement plans before retirement.

*Qualified retirement plans include Employer Sponsored Retirement plans, such as 401K, 403B, Profit Sharing Plans etc., and Individual Retirement Accounts, such as traditional IRA, Roth IRA etc.

* Non-Qualified Retirement Plans include Annuity products and Cash value accumulation Life Insurance products, such as Index Universal Life, Whole Life etc.

B) Distribution stage: The goal will be getting the Maximum Income distribution in retirement. Risks a retiree needs to consider are Investment Risk, Inflation Risk and Longevity Risk. One suitable product solution such as index annuity with lifetime income guarantee ride could minimize these risks.

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