Risk of total loss in a portfolio increases significantly when withdraws are being made during loss years. Risk is dynamic, difficult to measure and often misunderstood. In retirement it’s important to consider sequence of return risk. Sequence risk is the risk of lower average long-term returns or even total loss, because of taking withdrawals during negative return years. Read on to get a visual explanation and solution to this problem.

Annuities are a polarizing topic in the retirement community. You’ve heard the warnings from friends and media and you’ve probably heard the promises of high returns. Who can you believe? We dig deeper to pull back the curtain.

There are many myths surrounding Social Security. We breakdown a few below so you have a better understanding of what it means to you. If you want more information please visit our page on Social Security planning.