Good Retirement Planning requires a portfolio to be integrated with income sources that provide a solution resembling a paycheck, like those earned during working years, while having the flexibility to meet needs as they arise. This objective is always at the forefront of this fundamental and highly beneficial DFS support service.

Retirement is the stage of life when you should enjoy complete discretionary time, free to do or not do whatever you please. For this lifestyle to be possible, you must not have a financial need to work, but should instead rely on income sources such as Social Security, Pensions, and Annuities to meet regular expenses. Of course, if these sources are insufficient, as they too often are, your portfolio of assets must be structured in a way that helps support shortfalls while being available to cover less frequent expenses, whether anticipated or not.

Since we realize that income needs will likely increase due to inflation, the desire to benefit loved ones, and a myriad of life and health changes, our approach often includes allocating a portfolio’s portion (not needed for the reasonable foreseeable future) into growth strategies that are consistent with the client’s risk tolerance and withdrawal time horizon. DFS guides and supports its clients through this vital planning process.