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Five Risks of Retirement™

You’ve worked hard your entire life, and you’re finally ready to retire. But what if you’re not prepared for the risks that come with retirement? 

It’s no secret that retirement is a major financial milestone. And like all milestones, it comes with its own set of risks. If you’re not prepared for these risks, you could quickly find yourself in a lot of trouble. 

That’s where our 5 Risks of Retirement™ comes in. 

Below we help you understand the five biggest risks to retirement and how to prepare for them. With this information, you can rest easy knowing that you’re on the right track to building a successful retirement. 

The Five Risks of Retirement™ you must address in your financial plan…

  • Bad investment climate. This risk is especially relevant right now in light of the current market conditions. A bad investment climate can quickly erode your retirement savings, making it difficult to maintain your lifestyle in retirement. This risk is also known as Sequence of Returns Risk. This risk refers to the order in which you experience gains and losses in your investment portfolio. We believe this is the biggest risk you face, especially during your first ten years of retirement. We have built our practice and process around helping individuals mitigate this risk.
  • Outliving your money. This is one of the most common fears among retirees. And for good reason – if you don’t have enough money to last throughout your retirement, you may find yourself in a very difficult situation.
  • Inflation. Over time, inflation can have a significant impact on your purchasing power. If you don’t account for inflation in your retirement planning, you may find yourself struggling to keep up with the rising cost of living.
  • Rising healthcare costs. Healthcare costs have been on the rise for years, and there’s no reason to believe that this trend will stop anytime soon. If you don’t account for rising healthcare costs in your retirement planning, you could find yourself faced with some difficult choices down the road.
  • Poor Asset allocation. Your asset allocation is the mix of investments in your portfolio. This is the risk of not making the proper adjustments to your investment strategy when you retire. That’s because the strategies you used in the accumulation stage (saving for retirement) are often not the best ones to use once you actually retire and start distributing that wealth in the form of income. 

While there are a number of risks to retirement, we believe, these five are the most important to focus on in your financial planning. By understanding these risks and taking steps to prepare for them you can ensure they don’t take you by surprise. 

  • And while these risks are seemingly obstacles, they can actually serve as a helpful benchmark to judge the effectiveness of income distribution strategies. 

Want to learn how to prepare for the 5 Risks™ and explore common income distribution strategies? 


Enroll in our free Retirement Basecamp™ course. Here you can explore retirement on your own terms and learn the basics of designing a solid foundation for a successful retirement. 

This course is self-paced, and available anytime, anywhere. 

Happy exploring!

The Hunt Country Wealth Management Team

📚 Enroll Here: https://huntcountryinvestments.com/retirementbasecamp

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At Hunt Country Wealth Management we specialize in providing personalized financial services tailored for individuals aged 50 and above. From retirement planning to comprehensive investment management, our experienced team is here to guide you every step of the way.

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By: Chris Merchant, CFP® 

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