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Living in Retirement
Make What You Have Built Work for the Life Ahead.
Retirement changes the role your financial resources need to play.
Instead of primarily accumulating assets, the focus often shifts toward generating income, managing withdrawals, maintaining an appropriate level of risk and helping your resources support you for many years to come.
Brick & Kyle works with retirees to bring those considerations together within a personalized investment and retirement strategy.
Common Questions in Retirement:
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How much can I comfortably withdraw?
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Where should my retirement income come from?
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How should my portfolio change as I get older?
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How much investment risk is still appropriate?
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Will my assets continue to support me over a long retirement?
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How do Social Security, pensions and investments work together?
Turning Assets Into Income
Building an Income Strategy Around Your Needs.
For many retirees, income comes from several different sources.
These may include:
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Social Security
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Pension benefits
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IRA and 401(k) distributions
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Investment accounts
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Interest and dividends
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Other savings and financial resources
Brick & Kyle considers how those resources work together when helping clients determine how their portfolios may support retirement income needs.
The objective is not simply to generate income.
It is to develop an approach that considers today’s needs and the years still ahead.
Retirement Does Not Mean Investing Stops
Finding the Right Balance Between Income, Growth and Risk.
Even after retirement, a portfolio may need to continue working for many years.
For some clients, equities may continue to provide exposure to long-term growth and dividend income, while fixed income can help provide income, diversification and greater stability.
The appropriate combination depends on the individual.
Brick & Kyle considers factors such as:
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Current income requirements
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Expected withdrawals
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Risk tolerance
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Time horizon
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Other retirement income
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Changing financial circumstances
The goal is to maintain an investment strategy that reflects the life the client is actually living.
Your Needs Will Change
Your Strategy Should Be Able to Change With Them.
Retirement can span decades.
During that time, spending needs may change, family circumstances may evolve, markets will rise and fall, and financial priorities can shift.
Brick & Kyle reviews retirement plans as circumstances or objectives change and updates them periodically even when there have not been major changes.
That ongoing relationship allows the investment and retirement strategy to evolve rather than remain tied to assumptions made years earlier.
Straight answers to straight questions.
More Than Managing a Portfolio
Retirement Is About Living, Not Just Investing.
A successful retirement strategy should support more than an account balance.
It should help provide the financial structure behind the life you want to live — whether that means maintaining your lifestyle, helping family, traveling, pursuing new interests or simply having greater confidence about the years ahead.
Brick & Kyle’s role is to help clients understand their financial resources, manage their investments and make thoughtful decisions as retirement continues to evolve.
