Does Your Portfolio Fit Your Retirement Lifestyle

Nov 17, 2022

If you are like many retirees, you may be wondering, “Can I truly have the life I dream of living in retirement?”

This is an absolutely natural question to ask, especially because retirement can feel like an uncertain chapter of your life.

Most retirement portfolios are tailored to fit an individual’s objective, risk tolerance, and time horizon. Optimization tools that focus on these basic principles can help some retirees feel confident that their portfolio will help them pursue their long-term goals. 1

Depending on what your goals are, however, you may benefit from working with a trusted financial planner who can look at your entire financial picture and help you create a portfolio that is as unique as your desired lifestyle.

Read on to learn some common decisions we see our TRS clients navigate as they move through retirement.

Starting a Business

Using retirement funds to start a business entails significant risk. If you choose this path, you may want to consider reducing the risk level of your investment portfolio to help compensate for the risk you’re assuming with a new business venture.

Since a new business is unlikely to generate income right away, you may consider constructing your portfolio to provide you with current income until the business can begin turning a profit.

A financial expert can assist you in making the best decisions for you, your family, and your business aspirations.

Traveling for Extended Periods of Time

If you are like many of our clients, you may be eager to travel in your retirement years!

Keep in mind that if you are considering any extended travel, you may end up disconnected from current news and events. While this may mean that you have more time to relax and explore, it may also leave you less informed on how to actively manage your assets.

For extended travel plans, having professional management is a great way to continue to support your financial well-being while you enjoy new cultures, foods, and sights. 2

Rethink Retirement Income

Market volatility could seriously undermine your retirement-income strategy. A major cause of failed income planning is drawing down on savings when your portfolio’s value is falling.

A retirement professional is best suited to help you build a plan that can weather the inevitable seasons of market volatility. 2

The good news is that you do not have to navigate these decisions alone. No matter what your retirement goals are, we can work with you to create a solid plan so that your finances can fit into the lifestyle you want. To get started, sign up for a complimentary consultation with one of our TRS financial planners today!

1. Diversification and portfolio optimization calculations are approaches to help manage investment risk. They do not eliminate the risk of loss if security prices decline.

2. Keep in mind that the return and principal value of security prices will fluctuate as market conditions change. And securities, when sold, may be worth more or less than their original cost. Past performance does not guarantee future results. Individuals cannot invest directly in an index.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2022 FMG Suite.








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