THE TOTAL INCOME BLUEPRINT
We've worked with hundreds of families over the years; and what we've found is that there is a lot of confusion when it comes to structuring a retirement income portfolio. When you transition from paying your bills with a salary or wages to relying on a retirement portfolio, the rules change. This is where the Total Income Blueprint comes in. The Total Income Blueprint includes four pillars:
1
How do you implement a strategy to withstand market volatility while achieving acceptable rates of return?
2
Retirement Withdrawal Strategy
You need clarity on how much you can withdrawal from what accounts, and when. The 4% rule has been the "Golden Rule" of retirement income planning for the last 30 years; and we talk with families all the time that are planning on using this withdrawal strategy. As mentioned earlier, the rules have changed. Today's market volatility combined with economic uncertainty make the 4% rule a risky strategy that could result in running out of money in retirement. The Total Income Blueprint incorporates alternatives to the 4% rule to ensure that you never run out of money in retirement.
3
Tax Planning & Estate Maximization
We are in a historically low tax rate environment. It may not seem that way, but if you look at the history of marginal tax rates in the United States, that is the truth. Our national debt and spending continues to skyrocket and it's only going to get worse as more Baby Boomers retire.
Why is this important? Do you think we can remain in our current low tax environment much longer? I don't. Are you like the other 90% of Americans that keep the majority of their assets in qualified plans and IRAs?
If so, you need to understand tax-rate risk. A mentor of mine once told me, "If you have all your retirement assets in a 401k, 403b, or IRAs, you are essentially in a business partnership with the IRS where the IRS gets to vote every year on how much of your profit they get to keep before you get paid".
Does that sound like a partnership you want to be in? The Total Income Blueprint incorporates tax strategies that take advantage of historically low interest rates to ensure that if tax rates increase, it will have a minimal impact on your retirement. This also allows you to pass on the maximum amount to your children, grandchildren, family, or charity if that is important to you.
4
Long Term Care Alternatives
If you've looked into traditional Long Term Care insurance, you know that it's expensive, hard to qualify for, and the premiums can increase over time. The biggest issue with traditional Long Term Care Insurance; however, is that if you pass away peacefully in your sleep, those premiums are gone.
They don't go back to your family or charity. What most people, and most advisors, don't understand is that there are Long Term Care alternatives that address this issue so that if you end up not having a need for Long Term Care, those premiums are not lost and pass on to the people that matter most to you. The Total Income Blueprint utilizes these alternatives into your plan.
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Atlas Retirement Planning and Wealth Preservation is a dba for Joseph Puetz, who is registered with Acrylic Financial, Inc. Acrylic® Financial, Inc. (“RIA Firm”) is a registered investment adviser located in Fountain Hills, AZ . Acrylic® Financial, Inc. may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Acrylic® Financial, Inc.’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Acrylic® Financial, Inc.’s web site on the Internet should not be construed by any consumer and/or prospective client as RIA Firm Name’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Acrylic® Financial, Inc. with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Acrylic® Financial, Inc., please contact the state securities regulators for those states in which Acrylic® Financial, Inc. maintains a registration filing. A copy of Acrylic® Financial, Inc.’s current written disclosure statement discussing RIA Firm Name’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from Acrylic®Financial, Inc. upon written request. Acrylic® Financial, Inc. does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Acrylic® Financial, Inc.’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
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