Imagine this. A married couple enters the office. They are in their early 60’s and have only a few years before retirement. While the two have enjoyed their time working for the company, they were eager to retire and start traveling the world.

Mr. and Mrs. Ross entered my office all ready confident in their retirement choices. Each had religiously contributed to their company’s 401(k) throughout the years and together had built up a respectable
savings. They were referred to me, to simply take a look at their current plan and make sure they were on track to achieving their retirement goals.

After collecting some information about their accounts and using the SIPS Retirement Planning System, we discovered the Ross family had more than 80% of their retirement funds tied up in risky investments. Being this close to retirement, many financial advisors become nervous when clients have such a large percentage of their portfolio tied up in such investments. One hard drop in the stock market and their entire retirement portfolio could be wiped out.

Rachel, the more conservative of the two, became immediately concerned with the structure of their plan. So, we got right to work. Using the SIPS Retirement Planning System, I created a number of options that would assist the couple in achieving their retirement goals. By moving some of their assets into more conservative accounts, we engineered a more solid foundation that still allowed the Ross’ to travel the globe. The couple immediately became clients and we put their plan into action.

Too much at risk in retirement? The SIPS Retirement Planning System gave me the tools necessary to highlight the concerns of the Ross’ and develop their current plan. The system then empowered us to work together to engineer a new retirement plan we all could be confident in.