N • RUBY, WILDING & SWANSBURG
Your Three Biggest Risks
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i i l e y , you might be thinking, “How can he know MY biggest risks?” Here’s a secret: Almost everyone is struggling with the saabmouet twhrheeethreisrktsh.eRyeaapdptlyhetofoylolouw: ing descriptions and think No. 1: Structural Risk — This risk is about the mv eehci hc laensi ac sr e oafv asial avbi nl eg .t oHyoowu ? aWr eh oyios uh esl apvi ni nggy?o uWsha av te ?sIasvyi on ug sr eAmr ep gl ooyveerr nc omnet nr itb ruet si no gu rtcoe ys oauvra islaavbilne gtso pyr oo ug ?r aImf s? oI,f ws oh, aht oawr e? tahnedy h? oDwo yt oo ud ok ns oo w? Hwohwi c ihs oy no eusr ys oa uv i ns hg os upl rdotgarkaema ds tvrauncttaugree do?f Ty ohue saer eq suue cs ct ieosns sf ucl aonr nmoat k, ee s tpheec i da il fl yf e irfeynocue r bgeotawl ei se nt o wp hr oe vt hi de er a comfortable retirement for yourself. No. 2: Market Risk — Anyone who has followed the sr itsokc.kWmhaernk ey to uo vaerre tshaev ilna gs tmt wo noedyefcoardyeosuirs fwu teul lr ea,wyaorue wo af nt ht iist tcoo mg reosww. Pi tlha cai nrgi smk otnheayt icna nt h be esstto cbke mi l al ur skterta tf oe dr tbhya t ap up rapi ro soef sg ci va el et hs ., aLnods st ehse omna rokneet tsai kd ee t. hGaawi nasy .oTnh ti sh re i sokt hp ee rr .t aTi hn es tmo ma r ok reet twhha enr ej ul os ts sWi sapl lo sSst irbeleet, . wAhneyt htei rmi et byeosut ro cskasv, ibnogns d as ,r ree ai nl ve es tsat et ed, owri lal nhootset xopf eor ti ehne cr eassus ef ftisc,i eynotugfraocwe trhe taol roifsf ks etthl aots syeosu. r s a v i n g No. 3: Tax Risk — The risk is quite simple. How much of your retirement account will you get to use, and how much r I
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