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To develop a financial strategy for your future, it’s important for your financial professional to see a complete, 360-degree view of your financial picture, including how your retirement assets are integrated and work with one another. That's why we break it down into four straight forward components - The Core Four. If addressed, these components can result in a more clear plan that can lead to financial success. So what are those components?

To sum it all up, if you have a clear process to help determine the goals, resources to evaluate the evidence, and the right people to implement the plan in each of these four core areas you are on your way to financial success.

The Income Plan

An income plan lies at the core of any good retirement plan. The essence of retirement is really about generating the income you need to maintain your lifestyle. Your income plan will impact your investment decisions, the taxes you pay when you retire, the products you buy (or don’t buy), and the lifestyle you can plan on living. Maximizing income sources like SS and pension as well as detailing a plan for portfolio withdrawals and Required Minimum Distributions are critical to having a plan that will provide the after tax inflation adjusted income you need to enjoy retirement.

The Investment Plan

Having the right investment answer is crucial to having a successful investment experience. Your investment plan should have the right asset allocation, utilize asset location where possible, implement tax management and withdraw strategies and have the right cost structure. Your investment plan should also be coordinated with your income plan.

The Risk Management Plan

The third component of a good plan is risk management. The three main risks to consider are death, disability and health/long term care cost. Simply put, if you build a good income and investment plan you need to identify the risks to those plans and prepare accordingly.

The Estate Plan

Lastly and usually done later in life is the legacy/estate plan. There are only three places your money can go, your family, your charity/church, or the IRS. It is important to plan in advance for where you want your money to go.

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Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional on any such matters.

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The 10 Things to Know About Planning Your Retirement Income Report is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.