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CALL US TODAY 800-208-7233 Document Upload Johnson Brunetti Navigation * About Us * Our Advisors * Our Team * Financial Services * Your Money Map * Join Our Team * Attend a Free Event * Free Resources * Featured Articles * News Segments * Money Wisdom Question Series * Get The Money Map Book * Money Wisdom Podcast * Press Releases & Media Appearances * Testimonials * JB Cares * Scholarships * Our Clients * Ambassador Program * Everplans * Client Celebrations * Client Testimonials * Contact Us * Locations * Search * About Us * Our Advisors * Our Team * Financial Services * Your Money Map * Join Our Team * Attend a Free Event * Free Resources * Featured Articles * News Segments * Money Wisdom Question Series * Get The Money Map Book * Money Wisdom Podcast * Press Releases & Media Appearances * Testimonials * JB Cares * Scholarships * Our Clients * Ambassador Program * Everplans * Client Celebrations * Client Testimonials * Contact Us * Locations * Search THE BLOG THE IMPORTANCE OF HAVING A RETIREMENT INCOME STRATEGY Today we’re talking about retirement income strategy. The idea here is that we recommend you don’t just get into retirement and start taking money out of your retirement income. Whether it’s triggering pension, Social Security, taking 401(k) money, withdrawing from a stock account, or a mutual fund, you’ve got to think this through. By having a strategy, you can not only make your money last longer, but you can also save money in taxes. Moreover, you have the potential to de-risk your portfolio and make sure you don’t have that emotional need to make mistakes. It just makes sense to have a solid retirement income strategy. Today, I’m going to help you think this through and give you a solution that may help you come up with a retirement income strategy. WHY RETIREMENT PLANNING IS DIFFERENT TODAY Back when my Grandpa Pete was working, he had Social Security, a pension, and his personal savings, making what we in the financial planning industry refer to as the three-legged stool. He worked for a food company in Minneapolis for nearly 40 years, built up a nice pension, and had his Social Security. When he retired, he and my Grandma Holda were able to live on their pension and their Social Security. They didn’t have to spend any money from their retirement savings. Later on, when he passed away, even though he only ever earned about $25,000 a year in his lifetime, he had saved $800,000 and he didn’t have to touch that because he had his pension and Social Security. Nowadays, it’s our responsibility to take care of our retirement. For most of us, that pension is gone. And now our three-legged stool is missing a leg, which means it’s not stable. It’s going to topple over because we don’t have that pension, so to make up for this, you’ve got to replace that pension with a 401(k), 403(b), or another type of savings. Our responsibility to save for retirement has essentially doubled. Unfortunately, if you’re a school teacher in certain states, you don’t even get Social Security because you’re subject to the Windfall Elimination Provision. So you have a pension, but you don’t have Social Security. Either way, most of you have lost one of the legs of our three-legged stool, making it your responsibility to save for your own retirement. A SOLID WITHDRAWAL STRATEGY MAY HELP KEEP YOU FROM RUNNING OUT OF MONEY IN RETIREMENT Unfortunately, most people don’t come up with a withdrawal strategy, let alone a retirement income strategy. They just go headlong into retirement without thinking it through taking money out of their accounts. You could be short-changing yourself and you could run out of money before you pass away. In this case, you could end up having to cut your income and may end up paying way more in taxes than you need to. This is why having an income strategy in retirement is so important. Here are the things we’ve got to think through: 1. INFLATION CAN WREAK HAVOC ON YOUR RETIREMENT INCOME At Johnson Brunetti, when we do a retirement income plan or financial plan, we count on giving our clients a 3% raise every single year. The plan estimates inflation running at 3%. Certainly, inflation is running at higher than 3% right now, and there are times when it has run lower. However, for a long-term average over a 25, 30-year retirement, I think 3% is a pretty good projection. Essentially, that means you can’t just plan on having a $10,000 per month income when you retire and maintaining that throughout retirement. It’s necessary to have a strategy in place so that you can give yourself raises to combat inflation. As you can imagine, inflation is a really, really big deal. I remember during our workshops, we used to show a stamp from 30 years before and a stamp today. Back then, I would show a stamp from 1979 and a stamp from 2009, which would’ve been 30 years. The stamp from ’79 was something like 17 cents, and the one from ’09 was 45 cents, meaning it had tripled. So, we asked people in the audience, “How are you going to triple your income in retirement?” 2. HEALTHCARE COSTS IN RETIREMENT As we have all seen, healthcare costs keep going up. My mom was paying about $400 a month for one of her medications. She has health insurance and she’s still paying $400 a month for her prescriptions. It’s unbelievable. Mainly, it’s because she has to take a certain type. Unfortunately, although there are other medications that do what that one does, she has reactions to them. You’ve got to have some money set aside for healthcare in retirement. This can either be a reserve account, or you’ve got to count on extra retirement income. It might blow up your ability to have this income that you want consistently for the rest of your life because you might run out of money or have to reduce your income at some point in time. So we’ve got to count on healthcare. 3. TIMING YOUR SOCIAL SECURITY RIGHT A big question most people ask is, “When should I take Social Security?” Most of the advice out there will tell you to wait as long as possible before taking Social Security. Unfortunately, that’s not a strategy, it’s a default. The timing of taking Social Security and pensions needs to be based on your individual situation. There is no one-size-fits-all approach to these. Depending on your situation, you may want to wait on Social Security until you’re 70 and trigger a pension early. For some, they may want to trigger both early and for others they may want to trigger Social Security now and wait for that pension later to try to pass that pension along. It’s critical that when you come up with your retirement income strategy and you’re coordinating it with your 401(k) and your savings you also have a timing strategy for Social Security and pensions. If you have a pension, Social Security, a 401(k), and retirement savings, those are four different retirement income buckets. Taking those buckets in the right order, and coming up with a strategy could mean the difference between you leaving a few million bucks to your kids someday (or grandkids, or a charity) versus you running out of money before you pass away. 4. BEING TAX-EFFICIENT IN RETIREMENT Let’s face it, taxes are going up. I’m 60 years old and I’ll probably live to 90 or 95 if the statistics hold true and our healthcare system continues to advance. In the course of my lifetime, it’s possible my taxes could go up 50% or 100%. If we end up going like some of the countries in Europe and if I’ve saved a lot of money and have a really high income, I’m likely going to pay 60% or 70% of those last dollars I earn in income. BUILDING YOUR OWN CUSTOM MONEY MAP RETIREMENT INCOME PLAN I want to talk a little bit about a plan that we walk through for folks and you need to be aware of, and this is a proprietary plan. It’s custom to Johnson Brunetti, and it’s called the Money Map. It’s a unique process that we do differently. What we do is create a one-page plan with all of your finances on it. Every account you have, the debts that you have, the mortgage, and the different homes that you own are all accounted for here. It even takes into account whether or not you’re getting disability income, what your income needs are, what you want in retirement, what you have in retirement, and how much of your investments need to cover that income. Many people near, or at retirement wonder, “Are we going to be okay in retirement?” When we create the Money Map, it helps by mapping out your retirement on one simple page. Obviously, behind that one-page plan is a lot of data. It’s a full retirement income plan and a risk analysis of the portfolio. The people who really want to dig into all that absolutely can, but most people just want to know they’re going to be okay in retirement. They want to know that they’re not going to run out of money, and they can see that when we deliver the Money Map to them. We hope you found this video helpful and that you take this concept seriously. Having a retirement income strategy can help make the difference between you running out of money in retirement, versus you having amazing retirement and perhaps being able to leave something behind for your loved ones. We can help you do that by building your own custom Money Map. Voted “Best Financial Management Company” by Hartford Courant’s 2022 Best of Hartford Readers’ Poll. BEST OF HARTFORD RULES No purchase necessary. One valid entry per contestant. You must be 13 years of age or older at time of entry to be eligible for this contest. 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