Top 10 Retirement Challenges Facing
the 21st Century Investor
The Age Wave: We Americans are living longer and the greatest fear people have, next to maintaining
good health, is the fear of outliving their income.
- 2. The Pension Demise: With fewer and
fewer company sponsored pension plans, it is now up to the individual to provide for his/her income security throughout retirement.
Social Security: Social security was originally designed as supplemental income, yet many in retirement
depend upon it as their sole income base.
- 4. Ever Increasing Taxes: In fact, taxes
represent the single largest household expense and they are increasing due to ever mounting federal and state government deficits.
Inflation: The silent, invisible, always present erosion to assets and income. Inflation has averaged
3% per year since 1926.
- 6. The Healthcare Debacle: Due to aging, living longer,
and the issues surrounding long term care, Americans are facing ever increasing healthcare costs and potential loss of assets.
Investor Investment Mentality: Though the annual average S&P 500 return hovers around 10%, the
average annual return to most investors is under 4%! How can that be? Fear and Greed. The average stock market investor "buys
high and sells low".
- 8. Legacy Planning: Will there be anything left for
the next generation?
- 9. The Survivor Income Gap: The significant drop in
survivor income that can occur upon the death of the first spouse... not recognized until it is too late!
Asset Retention: Protecting your assets from lawsuits, creditors, Medicaid spend down and other threats.
My intent to discuss these Retirement Challenges
is to inform you, not to worry you into a state of depression!
Rather, the intent is to share the facts and concerns and to tell you that we have the solutions to defeat
and solve these Retirement Challenges. PROPER PLANNING ALWAYS PREVAILS.