What if your best years last longer than your plan?
Income, protection, and a legacy built for a longer life than most plans assume. That's Retirement Velocity.
Book a ConversationA plan built for average isn't built for you.
Most retirement plans start from the same assumptions. You'll travel for a few years, you'll slow down early, your health will decline right on schedule, and of course the markets will cooperate. If you've spent years or decades working to take care of yourself, you may be about to live a very different next fifty years than the one your plan assumes.
The question isn't whether your plan works on paper. It's whether it works for the life you intend to live.
Most plans don't ask. I do.
Four questions worth asking
What if the market stops working the same year you do?
A bad market early in retirement can do lasting damage, because you're pulling money out while values are down. Some products are designed to shield part of your savings from market losses. They come with trade-offs, such as limits on growth and surrender periods, and I walk through every one with you before you decide.
What if more of your income worked like Social Security?
Social Security and pensions are built to deliver monthly income you can count on. There are other products designed to do the same for part of your savings, with guarantees that rely on the financial strength of the company behind them.
What if a long-term care need wiped out your plan?
About 7 in 10 people turning 65 can expect to use some form of long-term care, and Medicare doesn't cover most of it. Care can reach six figures a year. There are ways to plan for it, and which fits depends on your situation.
Sources: HHS (LongTermCare.gov); Genworth/CareScout cost of care survey.
What do you want to leave, and to whom?
Life insurance and other tools can help you pass on what you have built to family or causes you care about, with thought given to how and when it arrives.
About Kirk Andersen, CLU
With over three decades of experience in insurance and financial services, I've seen how retirements actually unfold. I bring real-world experience and a human touch to every conversation, and a deeply collaborative approach to the decisions in front of you.
I meet my clients where they are, because that's where I am too.
Start with a conversation.
No pitch. Just the questions most plans don't ask.
Book a Conversation[email protected] · 515-259-3206
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Subscribe to NewsletterKirk Andersen, CLU, is a licensed insurance producer. The Next Fifty provides education and coaching and does not provide investment advice. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Insurance products have limitations, costs, and surrender charges, vary by state, and are not available in all states.
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