While many financial services companies focus only on building retirement assets, RDNA understands that protecting them is just as important. By assessing exposure to the six greatest retirement liabilities and devising a strategy to minimize the inherent risks, RDNA provides solutions designed to both build and protect client retirement assets so they're there when you need them - in retirement.
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LIABILITY 1: LACK OF CAPITAL |
| The Risk |
You will either have enough of a nest-egg to continue your current lifestyle in retirement... or you won't! The sooner your implement excellent retirement savings ideas, the better |
| Solutions |
Fixed annuities, variable annuities, mutual funds, IRAs/IRA rollovers, 529 college savings plans, qualified and non-qualified retirement plans, immediate annuities, reverse mortgage strategies |
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LIABILITY 2: LOSSES ON INVESTMENT |
| The Risk |
Losing all or a large portion of your money - particularly when you're just starting retirement - is often a hole that is impossible to dig out from. |
| Solutions |
Age and risk-based asset allocation strategies, guaranteed income programs, guaranteed principal programs that allow market investing, and annual portfolio rebalancing |
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LIABILITY 3: LOSS OF INCOME |
| The Risk |
Becoming disabled or dying prematurely could seriously dismantle the retirement dreams of you and your family |
| Solutions |
Disability insurance, life insurance, executive disability plans |
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LIABILITY 4: LONG TERM CARE |
| The Risk |
Flip a coin and you'll understand the risk you face of having a major expense for long-term care - an expense that could consume your nest-egg |
| Solutions |
Long-term care insurance, long-term care planning, annuity / long-term care strategies |
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LIABILITY 5: LONGEVITY |
| The Risk |
Having life left at the end of your money is a major new concern that faces all of us and is real and growing |
| Solutions |
Retirement income optimization planning, fixed annuities, variable annuities, immediate annuities, laddered annuity strategies, reverse mortgage strategies, long-term care insurance |
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LIABILITY 6: LITIGATION |
| The Risk |
Individuals and particularly business owners face tremendous litigation risks that could threaten even the most solid of nest-eggs |
| Solutions |
Liability insurance, qualified retirement plans, prepaid legal |