We specialize in Income Distribution Planning for Retirement because a comfortable retirement requires more than simply the accumulation of assets to use during retirement. It involves addressing a complex set of decisions regarding pension benefits and Social Security, as well as creating a strategy for drawing income from your investments. All this while keeping in mind the many risks and unknowns that retirees face—everything from health issues to boomerang kids.

Income Distribution Planning involves the transitional process of taking assets from the Accumulation phase (working years) and converting them to the Distribution phase (retirement years). That is, creating a strategy for turning assets into income that you can use during retirement.

At Decker Financial, we are a part of the Advanced Time Segmentation (ATS^®) Advisor Network and use the ATS^® Strategy to create Retirement Income plans for our clients. ATS^® is a specialized strategy that matches unique retirement income needs with time-segmented investments.

Retirees face 3 major risks:

1. Longevity Risk – living longer than planned
2. Market Volatility – poor market returns (especially early in retirement, known as Sequence of Returns risk) that lead to reduced portfolio value
3. Spending Shocks – large expenditures, possibly depleting assets

Retirement Income Planning is the field of Financial Planning that addresses these risks. We believe the best way to mitigate these risks is with a segmented, safety-first approach. You could spend 20+ years of your life in retirement; you shouldn’t have the same strategy for Year 1 money as you do for Year 20 money.

Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested. No system or financial planning strategy can guarantee future results.