Planning for Retirement Income

~ An Income Designed To Last Your Lifetime ~

Helping people transition into retirement is our specialty.

At Hunt Country Wealth Management, we focus on providing retirement income strategies. Our process is designed to pursue one of the most pressing needs of the growing retiree population: how to develop a predictable, sustainable income. We understand everyone’s situation is truly unique and we’re prepared to help you address your financial life with a plan that is customized and highly-personal. 

Knowing if you have enough money to retire, and then planning to make that pool of money last as long as you need, is the focus of the NextPhase™ Retirement Income Planning Process. 

The challenge facing retirees who are living longer lives–outliving their planned retirement income.

Perhaps today more than ever before, America’s retirees face an important question: “Do I have enough money to provide income for the rest of my life?” 

With improvements to healthcare, diet and exercise habits, Americans are generally living longer lives and enjoying more active and vibrant retirements. Early retirement has also become more common, resulting in many retirees facing the challenge of outliving their retirement assets. 

Knowing if you have enough money to retire, and then planning to make that pool of money last as long as you need, is the focus of the NextPhase™ Retirement Income Planning Process. This time-segmented, inflation-adjusted strategy can help answer the key question: “Do I have enough retirement assets to last my lifetime?”

Why everyone should plan for a retirement income designed to last a lifetime. 

The financial realities of our world are changing. More and more people need to rely on their own investments for income during retirement. Although many retirees have income streams from Social Security and/or pension plans, others rely on their 401(k)s, personal investments and savings plans. 

The assets from which you expect to create a vital stream of income during retirement face risk from economic turmoil, interest rate uncertainty and market volatility. As you move from asset accumulation (saving money for retirement) to income distribution (spending money in retirement), positioning your investments to provide a primary income which lasts as long as you need becomes more complex and difficult to manage. 

NextPhase™ Retirement Income Planning Process is designed to help you find a balance of investment choices with different, complementary risk and growth opportunities. This balance then helps your advisor create a plan designed to provide an income which spans your lifetime. 

The NextPhase™ plan helps you meet your needs during retirement. 

The NextPhase™ plan is a time-segmented, inflation-adjusted strategy that is designed to help you find a balance of investment choices with different, complementary risk and growth opportunities. The graphic to the left illustrates how your accumulated retirement assets are divided into time-segments. The optional guaranteed income segment and the first pool are designed to offer immediate, regular income streams, while the other pools of investments are designed to grow over time.  As time goes on, each pool is drained to fill the reservoir that provides your regular income stream. The strategy typically plans for 25 years, at which point the last pool can be divided up again to provide for a longer retirement or used in legacy planning. 

*Graphic is for illustration of time-segmented distribution strategy only. This information should not be construed as a recommendation of the investment plan for all investors. There is no guarantee that any or all segments will obtain their desired results. If desired returns are not met in any investment segment, this could cause the investor to run out of income before the end of that income segment. To continue drawing income, the investor may have to remove funds from another investment segment before scheduled. This action may lead to additional fees and ultimately the failure of the plan to meet the original objectives. Investors may have to adjust their income amounts to compensate for any investment segment not meeting its goal in order for the actual cash value to last the duration of that income segment. 

Take our NextPhase™ Questionnaire

Different investment vehicles offer different outcomes. There are also numerous ways to combine investment products to generate retirement income. This calculator may help you determine your personal need for predictable retirement income. 

%

of retirees said their annual spending did not change from before to after their retirement.

Have you saved enough to maintain the lifestyle you desire?

Source: Employee Benefit Research Institute’s 2010 Retirement Confidence Survey

How ready are you for retirement?

  • Do you have enough money to retire comfortably? 
  • Are your assets in the right places? 
  • Which assets will you spend first? 

More and more people need to rely on themselves for income during retirement. Whether you are already retired, plan to stop work all at once or ease into retirement by working part-time, you need to arrange your finances to support the lifestyle you have dreamt about. The time is now. Let’s start mapping out your next phase. 

Contact us today to schedule your free Income Distribution Consultation.

Disclosure:

Guaranteed income stream – The guaranteed income stream investment vehicle overlaying the six allocation pools (when suitable and used in the NextPhase™ plan) is a Variable Annuity with a Guaranteed Minimum Withdrawal Benefit.

Segment 1

Segment 2

Segment 3

Segment 4

Segment 5

Segment6

Bond ladders

Cash

CD ladders

Single Premium Immediate Annuity

Bond ladders

Fixed Annuity Products

Managed Portfolios

Principle Protected Structured CD Products

Equity Indexed Annuities

Managed Portfolios

Mutual Fund Portfolios

Real Estate Products

Variable Annuities

Managed Portfolios

Mutual Fund Portfolios

Variable Annuities

Managed Portfolios

Mutual Fund Portfolios

Variable Annuities

Managed Portfolios

Mutual Fund Portfolios

Variable Annuities

Investments in model strategies have additional management fees and expose the investor to the risks inherent within the model and the specific risks of the underlying funds directly proportionate to their fund allocation.

All investments involve the risk of potential investment losses. Investment returns, particularly over shorter time periods, are highly dependent on trends in the various investment markets. The investor may receive less than the original invested amount and is advised to consider the investment objective and risks before investing.

Asset allocation does not guarantee a profit or protection from losses in a declining market.

*Guaranteed monthly income is based on current values as well as the terms and conditions of the annuity contract or optional rider. These advantages may have additional fees and can only be fully realized if you follow the benefit’s rules and hold the  annuity through the surrender period. Guarantees and principal based on the claims-paying ability of the issuing company.

Annuities are long term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax, and, if taken prior to age 591/2, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. The purchase of a variable annuity is not required for, and is not a term of, the provision of any financial service or activity.

Single Premium Immediate Annuity contracts cannot be surrendered once annuitized.

Purchase of an annuity contract through a qualified plan does not provide any additional tax-deferral benefits beyond those already provided through the plan. If you are purchasing an annuity contract through a plan, you should consider purchasing it for its death benefit, annuity options and other non-tax-related benefits.

Investments in real estate or REITs may not be suitable for all investors and is subject to significant risks. These risks may include limited operating history, reliance on the investment advisor, potential conflicts of interest, payment of substantial fees to the investment advisor and its affiliates, potential illiquidity and liquidation at less than the original amount invested.

Mutual Funds and Variable Annuities are investments involving risk and are offered by prospectus only. Before investing, investors should carefully consider the investment objectives, risk, charges and expenses of the investment and its underlying investment options. The prospectuses contain this and other important information. Please contact your representative or the investment company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.

Investments in mutual funds are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although money market funds seek to preserve their value at $1.00 per share, it is possible to lose money by investing in money market funds.

Investments in fixed income products are subject to market risk, credit risk and special tax liabilities.

Purchasing CDs involves a number of risks. It is suggested that prospective depositors reach a purchase decision only after careful consideration with their financial, legal, accounting, tax and other advisors regarding the suitability of the CDs in light of their particular circumstances.

You must evaluate whether a bond ladder and the securities held within it are consistent with your investment objectives, risk tolerance and financial circumstances. If you decide to include callable bonds in your ladder, these bonds may be called prior to maturity. If a bond is called, your investment payments cease and the principal is returned as of the call date. If you seek to reinvest the principal in a similar bond issue, you will likely have to accept a lower yield (and lower interest payments) consistent with prevailing interest rates.

Any fixed income security sold prior to maturity may be subject to a substantial and taxable gain or loss.

Structured products typically pay an interest or coupon rate above the prevailing market rates and limit upside participation in the referenced asset if principal protection is offered or if the security pays an above-market interest rate. Risks may include loss of principal and the possibility that at expiration the investor will own the referenced asset at the depressed price. Other factors which may affect the investment value of the structured product include: interest rates, volatility of the underlying asset, liquidity and time remaining until maturity. Structured investments are generally backed by the issuing firm, which may or may not maintain a secondary market.

Investments are not FDIC or NCUA insured, not Bank or Credit Union Guaranteed and May Lose Value.

Guarantees including optional benefits may have an extra fee and are subject to exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with complete details. The benefit payment obligations arising under the annuity contract guarantees, rider guarantees, or optional benefits and any fixed account crediting rates or annuity payout rates are backed by the claims-paying ability of the issuing insurance company. Those payments and the responsibility to make them are not the obligations of the third-party broker/dealer from which the annuity is purchased or any of its affiliates.

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46 S. Loudoun st.

Winchester, VA 22601
+1 540 205 8186
advisor@huntcountryinvestments.com

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