Retirement Needs

Your Retirement


Durable Income learn moreNot long ago, there were certain aspects of a retirement plan of which we could be certain. Homes would be worth more than we paid for them when we were ready to sell. Social security and a healthy pension were givens for most. We could depend on our cash to collect four to five percent interest at the bank and, over the long run, we could be pretty confident that our portfolio of stocks and bonds would increase in value.

"There was a time when retirement was guaranteed by a hard-earned pension and a fully paid mortgage.
No more."

We never worried about trying to save enough to pay for more than 30 years of retirement and all the bills that come with it. We never thought we’d be supporting our grown children and taking care of our own parents at the same time. We never thought the financial legacy that we worked hard to establish for our family could be put into jeopardy so easily.

Yet statistically speaking, this generation will have more years of retirement to fund than any before it. And as gains in life expectancy continue to push further beyond retirement age, investors have to reconsider just how long they’re going to need their portfolios to last. At the same time, the ability of investments like stocks and bonds to generate income and protect savings is fundamentally weaker than a generation ago, while the threat that inflation places on retirement portfolios remains present as ever.

Today, all that we can be sure of is that the traditional pillars of retirement income have eroded. As such, many within this generation of investors may still have work to do. That’s okay. This is the generation of investors taking ownership of a financial plan for the things they want.


You’re in it for the long haul, shouldn’t your portfolio be too? In order to achieve the retirement income needed for the lifestyle you envision, steps like consulting a financial professional and assessing your portfolio regularly are critical. A durable income approach also stresses making certain you have a plan which takes into account the unfortunate truth that many investors tend to underestimate the income they need to maintain the standard of living they want in retirement. A durable income approach may include allocations to stable, income-producing alternative investments like commercial real estate which may help address the income needs of investors. Though this approach is not for everyone, and only a financial professional who’s reviewed your circumstances is qualified to tell you whether it’s right for you, durable income could make the difference between enjoying your retirement on your own terms or outliving your savings.

Your next years ought to be your best years. Take the steps to make sure that your portfolio is equipped to get you where you want to go, no matter how much further the journey may be. Finish strong with durable income.

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