Juli Niemann: Maximize Your Retirement

After a lifetime of asset acquisition, the distribution phase will directly determine your financial quality of life during your retirement years. The basic challenge of retirement is developing a plan that empowers you to enjoy a high quality of life throughout your later years. Thankfully, I – and all Smith Moore financial advisors – can work with you to develop a plan to help make your retirement years as comfortable as possible.

As a Smith Moore financial advisor, I can offer you unique advantages that come from having proven resources to help you make the most of your finances. In addition, I also have the freedom and ability to customize a specific plan for your individual needs. As part of this distribution-phase plan, I will access a combination of strategies, including guaranteed income annuities, option strategies, and traditional fixed-income vehicles, including bonds, CDs, and other cash management options.

Determining what mix of strategies is best for you is dependent on your risk tolerance, income needs and age. I work closely with retirement-age clients to help them assess these important factors, then access key Smith Moore resources to craft a specific solution. These resources include the latest information on available investment options, plus the backing of an annuities and insurance division to help to achieve desired outcomes for each individual’s situation.

In my many years of experience, I have discovered that many retirement-age clients have been so focused on the accumulation years that the important distribution phase is often not as well planned. That’s why I recommend working closely with a Smith Moore financial advisor. This will not only begin the distribution phase planning process as early as possible, it will also help you to stay on track with key decisions that must be made on a timely basis.

For complete details on the distribution phase – and all phases of your financial life – contact a Smith Moore financial advisor today.