• A withdraw rate that is greater than the rate of return on a retirement portfolio can have a devastating effect. Sequence of return risk is potentially the biggest risk to your retirement.
• 57 percent of Social Security recipients take their benefits before reaching full retirement age. That compares to just 10 percent waiting beyond full retirement age.¹
• 1 in 1.4 people older than 65 will need long-term care, according to the U.S. Department of Health and Human Services (HHS). In other words, 70 percent of all older adults will need care-at an average annual cost of $97,452 for private room in a nursing home.²
• Pre-retirees devote about 2/3 of their day to working and sleeping. Free time for post-retirees more than doubles-around 16 hours of time to fill each day for 20 to 30 years.³ Time could become your friend and enemy.

A Solution

Our Enjoyable Retirement Solution^TM takes a holistic approach by evaluating your income needs, insurance considerations and lifestyle desires. Our proprietary analysis can offer you a unique report and will help you navigate through retirement by developing a plan that addresses:

*Neither Kestra IS nor Kestra AS provide tax or legal advice.