How to help improve your retirement readiness:

•  Inflation risk – The risk of rising costs for goods and services that erodes your purchasing power over many years
•  Longevity risk – The risk of outliving your retirement income—can be impacted by inflation
•  Lifestyle risk – The risk is simply spending too much money during your retirement “vacation”
•  Market risk – The risk of a market decline when you need access to those funds
•  Asset allocation risk – The risk of investing too conservatively or aggressively, and not diversifying
•  Sequence of returns risk – Low or negative investment returns early in retirement can impact future portfolio values
•  Excess withdrawal risk – Also called RMD (Required Minimum Distribution) risk – not replenishing your investment
account by at least or more than the percent you’re required to withdraw
•  Medical expense risk – A substantial portion of retiree income is spent on medical expenses, including dental,
hearing aids and long-term care, none of which is covered by Medicare
•  Tax risk – Rising or unforeseen taxes can cause a loss of purchasing power. Along with inflation, this is a stealth risk
•  Entitlement risk – The risk that certain U.S. Government programs will change or reduce payouts
•  Incapacity risk – Risk that deteriorating health or accidents reduce quality of life and add expenses
•  Personal/Event risk – The risk that an unexpected and unforeseen event occurs, usually within your family, that is costly, and impacts your retirement or savings accounts

How much of your retirement income do you want? Some of it or all of it?

Your retirement planning need not provoke anxiety. An assessment of your current retirement plan can often reveal hidden risks that must be carefully analyzed and weighed against the potential impact to your overall strategy. Whether you are retired, soon to be retired or still working full time, having a disciplined and transparent Fiduciary retirement blueprint can help ensure the inevitable bumps in the road do not derail your long-term security. Working in retirement should be your choice, not a financial requirement.

Call 202-465-8738 to schedule your one-on-one review or email me at

12 Retirement Risks You Ought to Know | Federal Retirement Benefits Center