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How high-income families can eliminate risk, minimize taxes, and secure lifetime income -- without market dependence or outliving their savings
 

A Retirement Built to Last

If you're like most successful professionals or business owners nearing retirement, you've done a great job building wealth.

But here's the truth that few advisors will tell you:

It's not what you make. It's what you keep. And even more importantly, how long it lasts.

Today's high-net-worth retirees face a new kind of risk -- even with $1M, $3M, or more saved:

• A single market crash early in retirement can wreck your entire plan
• Rising taxes can quietly drain your income
• Longer lifespans mean your money must last 30+ years
• Health care and legacy costs can balloon in the final decade of life

This short guide reveals how smart families build a retirement plan that can last through every market cycle, tax increase, and unexpected events.
 

The 5 Retirement Risks That Wipe Out Wealth
 

1. Sequence of Returns Risk

Retiring into a down market can cut your income by 50%. Two investors with the same returns can end up with vastly different outcomes based on timing.
 

2. Longevity Risk

The average life expectancy is 87+ for healthy couples. A portfolio built to last 20 years may need to last 35.
 

3. Tax Risk

Large tax-deferred accounts like 401(k)s and IRAs could face higher future tax rates. Coordination of Social Security, Medicare, and Roth conversions is critical.
 

4. Inflation Risk

At 4% inflation, $100K today buys only $67K in 15 years. Fixed income sources must have inflation protection.
 

5. Legacy & Liquidity Risk

Probate, taxes, and poor planning can reduce inheritance by 40%+. Retirees need efficient wealth transfer strategies.
 

The Traditional Approach Is Broken

Most are told to max out a 401(k), invest in the market, and withdraw 4% a year, hoping for the best.

The problem? This accumulation-first strategy leaves you exposed during the decumulation phase.

The wealthy know better. They use structured strategies that offer income certainty, lower taxes, and smart withdrawals.
 

The New Retirement Framework

Here's how high-income families reduce risk:
 

Fixed Index Annuities (FIAs)

• Lock in growth with no downside risk
• Create guaranteed lifetime income
• “Next Gen” asset allocation is designed to enhance your outcomes
   

Income Buckets Strategy

• Allocate assets by time horizon: Now, Soon, Later
• Protect short-term needs while growing wealth
   

Life Insurance for Liquidity & Legacy

• IUL provides tax-free growth and flexible use
• Great for legacy and long-term care needs
   

Your Retirement Scorecard

Score yourself 05 on the following:

• Confident money will last to 95+?
• Built-in tax-free income?
• Protected from a market crash?
• Inflation-proof income plan?
• Legacy plan avoids probate/tax?

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