For
over 35 years The O’Neill Company has spent time developing economic,
financial, investment, risk management and retirement tools to assist
our clients.
We
understand that traditionally, the retirement income planning process
can seem overwhelming and complex. However, because of its great
importance, we did not want these barriers to leave you unprepared. For
this reason, we developed The R.I.S.K. Process, an effective,
time-tested approach that simplifies the complexity of retirement
planning and guides you through the process of building a personal
Retirement Income Survival Kit.
Climbing
to the top of a mountain is considered by many to be one of life’s
greatest achievements. However, the real goal of climbing is not simply
to reach the top, but to reach the top and return safely. Considering
that 80% of climbing accidents occur on the descent, it is this second
half of the journey that presents the greatest risk… and requires the
most planning.
The
same can be said for retirement income planning. For years, people have
focused intensely on accumulating enough assets (“climbing to the top
of the mountain”). However, the biggest risks facing retirees occur
during the income distribution phase – when we retire and begin to live
on our retirement savings (“climbing back down the mountain”).
As
we begin the second half of our journey, we are faced with unique and
potentially devastating risks such as market, sequence of returns,
inflation, liquidity, longevity, taxation, health and legacy risks. Just
like climbing a mountain, those who acknowledge and address these risks
will be most likely to safely and successfully complete their journey.
If you would like to learn more about the Retirement Income Survival Kit (R.I.S.K.), please click on the hyperlinks below, visit The O’Neill Company University website or contact us at 949.586.8001.
Securities
offered through ValMark Securities, Inc., Member FINRA/SIPC and
Investment Advisory Services offered through ValMark Advisors, Inc., a
SEC Registered Investment Advisor. The O’Neill Company, Inc. is a
separate entity from ValMark Securities, Inc. & ValMark Advisers,
Inc.
