Retirement is your final great adventure. Your private economist will walk you through the complexities of retirement today.

Retirement Risk Management

  • An elderly man with gray hair appears to be thinking or worried, with his hand covering his mouth and his eyes closed.

    "I'm afraid I'll run out of money"

    A SPIA is a single-premium immediate annuity product that comes with a wide variety of options to customize your protection, your cash-flow, and your legacy.

    There are many annuity and paid-up whole life policies that can be very beneficial when strategically deployed as part of an optimally tax-efficient retirement distribution strategy.

  • An elderly person in a wheelchair looking out the window of a hospital room with a made bed.

    "I'm afraid I'll require expensive LTC and go broke"

    You’ve done all the right things. You invested and saved and earned since you were 16 years old. But now an unexpected alzheimer’s, parkinsons, cancer, or whatever-slow-moving-calamity diagnosis is threatening to bankrupt you and destroy the wealth you had planned to leave to your legacy. Moving in with younger family is complicated. Guardian’s Long Term Care coverage kicks in when you cannot perform 2 activities of daily living unassisted. A LTC policy can provide the resources necessary to recover and live your remaining years in dignity.

  • Computer screen displaying a Bitcoin to USD chart with a downward trend, featuring a dark background and various menu options at the top.

    "I'm afraid my RMDs are forcing me to sell at the market bottom and destroying my wealth!"

    Required Minimum Distributions may mean having to sell an asset when the market is in a correction, and it can be heartbreaking. The lost opportunity cost when the market recovers represents 90% of the gains possible in the market. What you need is a war chest of funds, saved, secured out-of-the-market, and truly liquid for immediate deployment when you spot your opportunity.

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