Income Planning

Retirement Income Planning

Retirement income planning is different from traditional wealth accumulation. The combined impact of retirement risks is that retirees experience reduced capacity to bear financial market risk once they have retired. They also must meet spending goals by taking distributions from their asset base. This calls for more integrated strategies other than just having a portfolio of stocks and bonds. In today’s ultra-low interest rate and yield environment, you may not be able to generate the type of income your parents have in the past by sticking to those two asset classes.

A very big issue that many new retirees overlook is something called the ‘sequence of returns risk’. Sequence-of-returns risk is the risk of receiving lower or negative returns early in a period when withdrawals are made from an individual's underlying investments. The order or the sequence of investment returns is a primary concern for retirees who are living off the income and capital of their investments.

It is not just long-term average returns that impact your financial wealth, but the timing of those returns. When retirees begin withdrawing money from their investments, the returns during the first few years can have a major impact on their wealth. Two retirees with identical wealth can have entirely different financial outcomes, depending on when they start retirement – even if the long-term market averages are the same.

If you are within five years of retirement, it is recommended that you evaluate your current planning to determine if you have a plan to generate the income you’ll need. If you have concerns about this issue, we offer you our Complimentary Second Opinion Service to help you get the answers you seek. To request this complimentary service today, call 713.524.7500 or email us at

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Investment advisory services are available on a fee-basis through Global Financial Private Capital, LLC, an SEC Registered Investment Advisor. Jim Sloan & Associates and Global Financial Private Capital, LLC do not provide tax or legal advice. You should consult your own tax or legal professional on any such matters. If you don’t have one, we could provide a list of several to interview.

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Copyright 2016. All Rights Reserved. Investment advisory services offered through Global Financial Private Capital, LLC, an SEC Registered Investment Advisor. All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Jim Sloan & Associates and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer in any way to securities or investment advisory products. Insurance and annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Global Financial Private Capital, LLC. Jim Sloan & Associates nor Global Financial Private Capital, LLC offer tax or legal advice. Individuals are advised to consult with their own CPA and/or attorney regarding all tax and legal matters.

Jim Sloan & Associates and Global Financial Private Capital, LLC have no affiliation with the news agencies represented here and the views expressed do not necessarily reflect the views of Global Financial Private Capital, LLC. Jim Sloan & Associates and Global Financial Private Capital, LLC make no representations or warranties about the accuracy, reliability, completeness or timeliness of the content and does not recommend or endorse any specific information contained therein.