“The year you were born and the day you retire play a role in how long your money will last.”
- Jeff  Shelton

Many would like to think they can outsmart the market — that maybe there are secret formulas, or special products, that will allow them to succeed no matter what happens in the markets, the economy or their personal life.

Running Out

There are likely many reasons why retirees run out of money, but our experience shows that not having enough to start, spending too much after retirement, or losing money in an investment account are three of the most common causes. 

Long Term Success

Having an investment plan, implementing the plan, and then adjusting the plan as factors change, is vital to your long term success. 

Risks & Rewards