MDRN Capital Extended Services
Income Strategies for A Confident and Secure Retirement
STRATEGY 1:
Proprietary Investment Strategy
RETIREMENT PLANNING IS ABOUT MORE THAN JUST SAVING— it’s about building a strategy that helps your income last as long as you do. Every retiree’s journey is unique, and your financial
considerations require personalized solutions.
This guide outlines six key strategies designed to support a financially stable and fulfilling retirement. Whether you’re just beginning your retirement journey or refining your current plan, these insights can help you make informed decisions.
Managing Market Volatility
Proprietary Investment Strategy
Income strategies designed for retirement have evolved significantly from past options that were often associated with high fees and limited flexibility. Today, these strategies can offer predictable income streams and serve as a key part of a well-rounded retirement plan. By incorporating solutions that provide steady income, retirees may be better positioned to cover essential expenses and reduce concerns about market volatility. Some options even include income guarantees, though terms, fees, and conditions can vary. Still, some retirees remain skeptical due to outdated perceptions of older financial products. In the past, certain income solutions lacked transparency and customization. Today, more flexible and cost-effective strategies are available that can align with a wide range of financial goals. THE KEY TAKEAWAY: While no single income strategy fits everyone, the right approach may help support financial stability throughout retirement.
Diversifying Income Streams
Tax-Efficient Income Planning
Withdrawal Strategies
Planning for Longevity
STRATEGY 2:
STRATEGY 3:
Diversifying Income Streams
Withdrawal Strategies
One of the most overlooked risks in retirement is sequence of returns risk— when market downturns coincide with withdrawals, potentially accelerating portfolio depletion. A structured withdrawal plan can help mitigate this risk. FOR EXAMPLE: Retirees may prioritize withdrawals from taxable accounts first, allowing tax-advantaged accounts to continue growing. The bucket strategy—which allocates funds into short-term, medium- term, and long-term “buckets”—can help create stability by ensuring liquidity for near-term expenses. THE KEY TAKEAWAY: It’s not just about how much you withdraw but also about when and from where to optimize your retirement income.
Relying on a single income source in retirement can increase financial vulnerability. A diversified approach—incorporating Social Security, pensions, investments, dividends, and other investments—can help reduce risk and support long-term financial security. A well-structured income strategy helps ensure that if one source underperforms, others may help offset the gap. The optimal mix of income sources depends on your personal goals, lifestyle, and risk tolerance. FOR EXAMPLE: Combining guaranteed income sources with market-based investments may provide both stability and potential growth. This balance can help retirees manage market fluctuations and support their long-term needs.
STRATEGY 4:
STRATEGY 5:
Managing Market Volatility
Tax-Efficient Income Planning
Taxes can significantly impact retirement income, reducing the amount you have available to spend. Strategic planning—such as Roth conversions or optimizing your withdrawal sequence—can help minimize your tax burden. FOR EXAMPLE: Retirees may reduce taxes by drawing from taxable accounts first, preserving tax-advantaged savings. Strategic Roth conversions allow for tax-free withdrawals later, particularly in lower-tax years. Collaboration with a tax advisor can help ensure your retirement plan is structured to maximize income while minimizing unnecessary tax exposure.
STRATEGY 6:
Planning for Longevity
With life expectancy rising, retirement savings may need to last 20-30 years or more. Planning for longevity involves strategies that help ensure financial security over an extended retirement.
Market volatility is inevitable, but it doesn’t have to derail your retirement. Strategies such as maintaining a cash reserve for short-term needs and adopting a well-diversified portfolio may help mitigate market risk. It’s important to remember that market downturns are often temporary. A long-term strategy focused on disciplined investing and risk management can help retirees navigate economic uncertainty while preserving their financial well-being.
POTENTIAL SOLUTIONS INCLUDE:
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A proactive approach can help retirees maintain financial stability—no matter how long their retirement lasts.
Regular financial reviews to adjust spending and investment allocations as needed.
Lifetime income or longevity insurance, which can provide predictable payouts for added peace of mind.
PLANNING FOR RETIREMENT IS ONE OF THE MOST IMPORTANT FINANCIAL DECISIONS YOU’LL MAKE. And it deserves a strategy that adapts to life’s uncertainties. Building a plan that manages risk, maximizes income, and aligns with your personal goals can help you achieve a financially secure and fulfilling retirement.
MDRNCAPITAL.COM
Don’t leave your future to chance. Dream it, plan it, and build it—because your retirement should be as unique and rewarding as you are .
CONCIERGE@MDRNCAPITAL.COM
667.222.0060
MDRN Capital LLC (“MDRN Capital”) is a registered investment advisor.
This content is intended to provide general information about MDRN Capital. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.
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