Years ago, retirement planning was fairly easy. Many people were covered by a pension plan that guaranteed a set monthly income for life. Bonds and bank CDs paid 5% to 6%. Long term care wasn’t a big issue because most people passed away between the ages of 65 and 75.  Those days are long gone. Today, pensions are fewer and farther between while interest rates on bonds and bank accounts are at all time lows.   People are routinely living into their 90s. Many investors have been burned by two major bear markets and are concerned about the current expansion of "free money" into an already debt laden financial system. Welcome to the "New Normal."

If what you thought to be true about retirement turns out not to be true, when would you want to know?

It's sad but true that many investment strategies are still "fighting the last war." The decline in interest rates has raised the risk level of the average bond mutual fund or ETF, yet many portfolios continue to rely on them.  Where's the floor?  We've developed the IQ Wealth Strategy™ to build an income floor and to meet the "new normal" head on. The objective is to greatly reduce interest rate risk and sequence of returns risk.  Learn how you can take control of your financial future, cut your fees, increase your retirement income, and add protection for long term care without paying annual premiums.

The IQ Wealth Strategy™  differs from pie-chart planning which relies on the cycles of Wall Street and  “the long run.”  While the long run is indeed very important, we think you need more security now as well. Our long view of the economy and markets is that debt is too high, markets are not rational, income should be carefully planned, and having a floor under your retirement is the right thing to do.
 

 

Take an innovative approach to Retirement Planning with the IQ Wealth Strategy™

 

 

**Research from the Employee Benefit Research Institute, Prudential, Boston University, the Journal of Financial Planning, and the Wharton School of Business available upon request. All references to guarantees relate to U.S. Treasury securities, or life insurance guarantees including annuity guarantees. Guarantees are contractual and rely on the claims paying ability of the insurer. Investment advisory services are separate from insurance services. Not all investments or annuities are suitable for all investors. Withdrawals prior to age 59 1/2 may incur tax penalties.