Retirement planning

to meet your goals.

Retirement planning isn’t just about investment accounts. It also involves a comprehensive review of all variables that affect one’s retirement success. Our objective in retirement planning is to provide the greatest level of certainty and clarity as you work toward and through the critical years of your working career.

The average American works 30-40 years toward a single goal: retirement. For some, that involves a slower pace of life and more days playing golf and fishing. For others, it’s the travel you and your spouse put off sending the kids to college. For yet others, retirement is giving back of your time to local non-profit or church organizations.

Whatever retirement aspirations may look like, our objective is to prepare your finances so that those dreams become reality. The sooner a person begins planning for retirement, the more control you can have in the ultimate outcome.

Retirement planning includes:

Possible care for aging parents or special needs children

Income needs

Life-event risk (illness, disability, etc.)

Prioritization of lifetime gifting
(vs. legacy gifts)

Key investments we consider:

IRAs and Roth IRAs

Employer-sponsored 401(k) and 403(b) plans

Annuities

Deferred Compensation Plans

Life Insurance

Cash flow is critical...

  • Today’s retired couple at age 65 has a 72% probability of one living past age 90 and 44% past age 95

     

  • Pensions are far less prevalent than they were a generation ago

     

  • Many investors are reluctant to include full social security benefits in their projections

     

  • Inflation has again resurfaced as a serious challenge to income-sensitive investors

     

  • The portfolio constructs that have worked for the past 40 years (i.e. 60 stocks/40 bonds) may yield lesser results over the coming decades

The HIP approach to cash flow…

  • Retirement doesn’t equal the end of owning equities…instead many investors are well served owning a higher percentage in stocks than they might otherwise be inclined

     

  • Traditional sources of investment income alone do not provide the best probability of sustained cash flow in today’s environment (see chart below)

The chart below shows “eras” of bond returns and how different the 1942-1968 period was from what most of today’s investors have encountered. Bonds don’t always post a positive return (the Barclay’s AGG was negative in 2021 and 2022). If not properly understood and actively managed, bonds can serve as a drag on one’s portfolio during a rising rate cycle and beyond.

Time Frame

Stocks

Bonds

Cash

Inflation

1928-1941

1942-1968

1969-1977

1978-1999

2000-2008

2009-2020

-0.4%

14.6%

2.9%

17.2%

-3.6%

14.8%

3.2%

2.2%

5.4%

8.7%

8.4%

3.3%

1.1% 

2.1%

5.8%

7.0%

3.0%

0.4%

-1.11% 

3.2%

6.4%

4.7%

2.9%

1.6%

Source: NYU
With bond yields below historical averages in recent years, sustaining a 4-5% portfolio distribution could prove problematic using traditional tools alone. By incorporating innovative income strategies (more info can be found on our advanced solutions page) we can reduce our sensitivity to bond duration as a factor in income sustainability while still being mindful of portfolio volatility and risk

With more than 100 years of collective experience, our team embraces a client-first culture and focuses on building genuine relationships that last.

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Reliability of Sources The articles and opinions expressed in this document were gathered from a variety of sources, but were reviewed by Head Investment Partners,LLC prior to its dissemination. All sources are believed to be reliable but do not constitute specific investment advice. In all cases, please contact your investment professional before making any investment choices.

Return on Products The return assumptions are not reflective of any specific product, and do not include all fees or expenses that may be incurred by investing in specific products. The actual returns of a specific product may be more or less than the returns used. The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. It is not possible to directly invest in an index. Financial forecasts, rates of return, risk, inflation, and other assumptions may be used as the basis for illustrations. They should not be considered a guarantee of future performance or a guarantee of achieving overall financial objectives. The return and principal value of the investments will fluctuate so that, when redeemed, they may be worth more or less than their original cost. Past performance is not a guarantee or a predictor of future results of either the indices or any particular investment.

Opinions Opinions expressed are subject to change without notice and are not intended as investment advice or a solicitation for the purchase or sale of any security. Please consult your financial professional before making any investment decision.

Securities offered through Triad Advisors, LLC (Triad) member FINRA/SIPC. Investment Advisory services offered through Osaic Advisory Services, LLC (Osaic Advisory). Triad and Osaic Advisory are separately owned and other entities and/or marketing names, products or services referenced here are independent of Triad and Osaic Advisory.

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