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Investing in the market can be a great way secure financial stability after retirement. Unfortunately, it's not a guaranteed way to accomplish this. Nothing is certain about the market, and anything from political posturing to corporate news can cause huge spikes or declines in the market. This is why you should also invest in more secure sources of supplemental income for retirement.

Supplemental Income for Retirement

There are a variety of ways that you can supplement your income for retirement. One of the most popular is known as annuities. After investing into an annuity, you're guaranteed an income stream for the rest of your life. Since over half of individuals who planned for retirement have $10,000 or less in savings, annuities seem like the ideal way to protect your assets from fluctuations in the market.

It's important to note, however, that there's more than just one type of annuity. There are variable and fixed-rate annuities to choose from, and they each have their own benefits and disadvantages. While they can be confusing, they're an integral part in diversifying your retirement assets for money security. We can help you understand if annuities are the right option and which type will work best for your financial situation.

Diversifying Your Retirement Income

Annuities aren't the only way to diversify your retirement assets for security against an unsure market. Getting your finances in order before retirement should always include making a plan that includes more than one income stream. In addition to annuities, this includes short-term investments, U.S. and foreign stocks, bonds and even mutual funds.

This reality was nowhere more apparent than in the 2008 financial crisis. Everyone took a hit, but diversified portfolios that included U.S. stocks, international stocks, bonds and short-term investments saw fewer losses and more gains in the following years. We've all been taught to not put all of our eggs into one basket, and nowhere is this more important than in planning retirement income.

Whether it's investments or insurance products that are appropriate for your particular situation, we can help you plan to secure the best chance of meeting your retirement income goals throughout your lifetime.

Every Situation is Different

The internet holds a wealth of information. You can literally look up everything from the best dog food to instructions on how to build a house. When it comes to asset protection and having a steady stream of income during retirement, though, there is no one-size-fits-all answer.

There are millions of pages of information out there on the subject, but you must recognize that the optimal asset protection plan for someone with $200,000 in savings will differ from the best plan for someone with $80,000 in savings. It's important to diversify, but in some situations, it may be ideal to not use certain financial tools at all.

Once you take the time to assess which protection tools are best in your situation, you'll realize that what may work for someone else might not work for you. This will put you in a better position to plan for your retirement.

Asset Protection Lawyers Can Help

Preparing for your future is never an easy task, but when you're planning for potential decades without employment income, the undertaking may seem unconquerable. Fortunately, our asset protection advisors are experienced and can help you figure out the best potential way keep your money and other assets safe well into the future. Contact us today to get your retirement planning underway.

To schedule a time to discuss your financial future for that abundant retirement you want and deserve, contact us at or call us at 614.545.0277 today!

By contacting us, you may be offered information regarding the purchase of insurance and investment products.

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.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of ROSS WEALTH ADVISORS and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness.
All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by TOUNJIAN ADVISORY GROUP, LLC, a Registered Investment Advisor in the State of Florida. Insurance products and services are offered through ROSS WEALTH ADVISORS, and TOUNJIAN ADVISORY GROUP, LLC are unaffiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Ohio or where otherwise legally permitted.

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