Webinars

None of us like to see our investments go down, but unfortunately, it is a natural part of stock market cycles. Typically, waiting for the market to recover is the best strategy, but when we retire, the game changes a bit. In this video, Dave Alison, CFP®, EA, BPC, President & Founding Partner of Prosperity Capital Advisors, discusses retirement income and investment losses, understanding the numbers, and how The Bucket Plan® was designed with this timeframe in mind.

Retirement income and investment risk are closely related because retirement income is largely dependent on the performance of investments made during one's working years. Investment risk refers to the uncertainty or variability of returns that an investor can expect from a particular investment. The greater the investment risk, the higher the potential returns, but also the higher the potential for losses. For individuals who are nearing retirement or have already retired, investment risk becomes more significant as they have less time to recover from any losses. Therefore, retirees often seek to reduce investment risk by shifting their portfolio towards more conservative investments such as bonds or fixed-income investments, which typically offer lower potential returns but also lower risk.

Additionally, retirees often look for investment vehicles that provide guaranteed income streams, such as annuities, which can help mitigate investment risk. Annuities are insurance products that pay a guaranteed income for life or a specified period, providing a measure of certainty for retirement income. However, it's important to note that annuities also come with fees and restrictions that may impact the overall return on investment.

Overall, managing investment risk is a critical component of retirement planning, and retirees should carefully consider their risk tolerance, investment goals, and time horizon when making investment decisions to ensure that they have a stable and sustainable retirement income.

In this video, Dave Alison, President & Founding Partner of Prosperity Capital Advisors, explains a term in investing known as the Risk Free Rate. He shares ideas and examples of how to make your savings work harder for you by increasing your interest without increasing risk. The risk-free rate is the theoretical rate of return of an investment with zero risk. In other words, it is the minimum return that investors expect for any investment that carries no risk of financial loss. The most common measure of the risk-free rate is the yield on a U.S. Treasury security, such as a Treasury bill or a Treasury note, as these securities are considered to be virtually free of default risk. The risk-free rate is used as a benchmark for determining the required return on other investments and is an important input in financial models, such as the Capital Asset Pricing Model (CAPM).

The timing of your Social Security claiming decision could cost or save you thousands of dollars. Lifetime Advisors Group will help you build and coordinate your retirement income to make your money last.

Tax-Efficient Retirement Workshop. Do you want to lower your tax bill? 

Our educational webinar series will help you:

1. Understand the current tax rules 

2. Identify misconceptions about your taxes in retirement

3. Utilize the tools and strategies available to middle income retirees 

4. Implement an action plan 

Before you claim your Social Security benefits early, it’s important to know the long-term impact of that decision. Check out this educational webinar series for important information on how the timing of your Social Security claiming decision can leave a lasting impact on your overall retirement strategy.

Don’t let taxes ruin your retirement! Check out this educational webinar series for important information on why taxes are different in retirement and ways to avoid key pitfalls in how you harvest income from various accounts.

Retirement financial planning can seem intimidating, but it doesn’t have to be. Lifetime Advisors Group will help you coordinate your retirement income and make your money last longer. We are committed to making retirement planning recommendations in your best interest.

Marginal Tax can impact your retirement strategy. See how each additional dollar of income effects your retirement tax bracket.