Take a closer look at your risk today.
Market swings, taxes, inflation and a longer retirement all put pressure on what you’ve saved. See where your plan stands, then talk it through with an advisor.
Five risks that can wear down a retirement plan
The checklist covers each one. Your appointment puts your own numbers to them.
Market drops near retirement
A downturn just before or after you stop working can do more damage than the same drop years later, because you may be drawing income while prices are down.
Outliving your savings
A long retirement is good news, but your income has to stretch across every one of those years.
Inflation
Rising prices chip away at what a fixed income can buy, a little more each year.
Taxes on withdrawals
Which accounts you draw from, and when, can change how much of your income you actually keep.
Healthcare and long-term care
Medical and care costs are among the hardest retirement expenses to predict and plan for.
Get the free Retirement Risk Checklist
A short guide to each risk above, with the questions worth asking about your own plan.
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What happens at your appointment
1
Pick a time
Meet in our office, by phone or on a video call, whichever is easiest.
2
Bring what you have
Recent statements help, but you don’t need everything organized first.
3
Review your risk
We look at how your savings, income and investments hold up against each of the five risks.
4
Leave with clear steps
You’ll know where you stand, whether or not you decide to work with us.
Your advisor
James Cipriotti, AIF®
Jim V. Cipriotti, CSA, CMFC, AIF®, has been serving his clients in the greater Philadelphia and southern New Jersey area for nearly 28 years. Jim’s firm is built around a commitment to always putting the best interests of his clients first. By taking a comprehensive approach, Jim looks at all aspects of his clients’ financial portfolio to help develop a detailed strategy for the future.