你想要的退休生活需要仔细计划. We believe one of the five pillars of a healthy retirement plan is creating multiple streams of income for your retirement.
It’s vital to have multiple streams of income you can rely on when you’re no longer working. 如果你没有多重退休收入的计划, 你退休后就只能依靠一个收入来源了. 如果收入流失败或消失，会发生什么? 如果你失去了退休后的收入，你怎么活下去?
That’s why we plan for multiple income streams in all of the retirement plans we design. We don’t want you to end up in a bad spot during retirement just because your sole income stream went away.
但即使你有多个收入来源, 其中一些流将比其他流更可靠. 这是金钱运作的本质. You may have a pension you can depend on throughout the rest of your life (if so, 你是一个幸运的人). But that pension probably isn’t enough to live on for the rest of your life in light of inflation and rising cost of living. 你需要从社保中提取.
但如果这还不够呢? Many of our clients find that even with a pension (if they have one) and Social Security income, they won’t be able to keep up the standard of living they’re used to. They might be able to get by in retirement, but it’s very unlikely they’ll be able to thrive.
这就是个人退休账户、401(k)和罗斯账户发挥作用的地方. 你很可能熟悉其中的一个或多个账户. 关键是在这些账户之间分散环亚ag88登录资金. That way you’ll have some income coming from your pre-tax accounts and your post-tax accounts. 更重要的是, you’ll want to diversify your investments inside each of these accounts as much as possible. 这意味着你将拥有一些风险更高的账户, 有些是保守风险, 还有一些风险适中.
最好的情况, 环亚ag88登录收入来自四五个不同的渠道, 每一个都有不同程度的风险, 奖励, 和可靠性. We do retirement planning like this so no matter what happens to one or more of your income streams, 你还有其他的收入可以依靠.
实现这种平衡是很困难的, which is why our financial professionals can help you analyze your income plan to make sure you’re on track to retire!
To learn more about the other 4 pillars of retirement, sign up for a complimentary appointment today!