Bedel Financial Consulting’s RetireSecureStrategy, a tool-box of services that places us on the cutting edge of financial planning.
For clients with retirement as the key or solo focus, RetireSecureStrategy enables us to analyze our client’s capacity to retire at a certain age with a desired lifestyle. By implementing this process, our clients have a predictable source of income during their golden years, regardless of market fluctuations.
One element of this strategy is the Financial Security Analysis, which determines how much you can comfortably spend during retirement without depleting your investment assets.
Another element of this strategy allows you to “insure” that you don’t outlive your money. By purchasing protection on a portion of your existing assets, you receive a guaranteed lifetime income withdrawal from this portfolio even if the assets are depleted. While this additional layer of protection is provided by an insurance company, you don't lose control of your assets and you can remove the protection at any time without penalty.
RetireSecureStrategy isn’t appropriate for everyone, but this protection enables our clients to reach another level of security, comfort, and peace of mind. We’re confident that you’ll never find a better way to provide retirement income protection without the cost and inflexibility of traditional annuities.
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Many individuals have sizeable positions in their employers’ stock. While our crystal ball is not always clear about how a certain stock may perform, we go into great detail with our clients about the potential impacts that owning a large position can have with their long-term financial security. For example, by discussing our concern with a client, they may decide not only to reduce their holding but eliminate the holding completely, especially if they no longer have a current correlation with the company. By removing the large dependency upon a single company, the client would not longer need to be concerned with the chance that the company could announce devastating news, plummeting the stock price and jeopardizing their situation. Obviously, timing is imperative but it does go to prove that a big difference can be made by having a simple conversation about risks and financial security.