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Your Retirement Income by a Nobel Prize Winner
 

Our approach to saving is all wrong: We need to think about monthly income, not net worth. by Dr. Robert C. Merton...

"If the goal is income for life after age 65, the relevant risk is retirement income uncertainty, not portfolio value. To truly protect consumers, such regulatory “floors” would need to be specified in terms of the safety of the future income stream, not the market value of that stream." "The difference is that risk should be defined from an income perspective, and the risk-free assets should be deferred inflation indexed annuities.​"

Dr. Robert C. Merten, Harvard Business Review, June, 2014
https://hbr.org/2014/07/the-crisis-in-retirement-planning

  
 

"The Crisis in Retirement Planning"
 

The quote above is from a fascinating article by Nobel Prize Winner Dr. Robert C. Merton in The Harvard Business Review - July 2014. I would love to re-publish much of the article here, but copyright law doesn't allow me to do so. Instead, we encourage you to read the entire article at https://hbr.org/2014/07/the-crisis-in-retirement-planning.
​
Here's What Else is in This Newsletter:

  • Read more about the National Annuity Awareness Month during the month of June.
  • More information on the fourth module of the Utah Retirement Library: Retirement Income Planning with Annuities. We will continue to cover this topic for the months of June and July.
  
 

Here's What is Coming Up:

  • Starting in August through September, Financial Solutions & Income for Life will host a series of webinars so our clients and friends can view the components of our Retirement Income Plan for Life in the comfort of their own homes.
  • Look for our launch of our new Income Tax Free website to compliment our Utah Retirement Library.
 

June 2015 is National Annuity Awareness Month or NAAM
 

 

The retirement landscape in the United States is ever-changing. Individuals are living longer, working longer and needing income longer. Currently, more than 10,000 baby boomers on average are turning 65 each day and tasked with identifying how to plan financially for their golden years. Beyond this generation, younger adults are looking for ways to protect their assets while enjoying some of the market’s upside potential.

All of these reasons and more signify the prominent need for increased awareness and understanding of annuities. That’s why the Coalition for Annuity Awareness has declared June as National Annuity Awareness Month. These powerful products aren’t what they used to be; rather, annuities are becoming a staple in retirement plans for young and old alike.

 
 

Retirement Income Planning with Annuities

www.UtahRetirementLibrary.com
 

NOTE: This is the fourth of five special newsletters showcasing the educational modules available on the Utah Retirement Library. Today we look at the Retirement Income Planning with Annuities module.

Many people spend their time and energy focusing on how to accumulate a large retirement nest egg during their working years without giving enough thought to:
1) How their retirement assets are invested prior to retirement and,
2) How they will take income from their assets to replace their paychecks.

To gain full access to this vital information, go to www.utahretirementlibrary.com and sign-in if you've already registered, or sign-up to gain full-access to informative articles, videos and downloadable resources.
 

Call us today at 801/214-9164 to schedule an appointment with one of our planners. After educating yourself on the concepts behind Retirement Income Planning with Annuities in this module, we can effectively work together to create a Retirement Income Plan for Life that assures you a lifetime of safe, secure and guaranteed income.
 
 

About Us:

Peter Morse, JD, CRPC, AAMS, NSSA Principal, Senior Planner
Kerry Judd, CPA, CFP Senior Planner
Lincoln Newey, MBA Director of Marketing and Client Services
Tracy Schneider, Community Liaison and Operations

Our team has 80+ years of combined experience in the financial services industry. We work with Baby Boomers, Retirees, Pre-Retirees and Generations X & Y to provide a Safe, Secure, Guaranteed Retirement Income Plan for Life.

801/214-9164
www.fsifl.com
 

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