Retirement Rules of the Road

  • Know your visions, goals and dreams
  • Think with a lifetime time horizon
  • Commit to a healthy lifestyle
  • Keep a monthly spending plan and remove any unnecessary expenses
  • Plan to purchase big ticket household and family items before retiring
  • Strive for an Emergency Fund equal to two years of your monthly expenses
  • Be debt free
  • Stay invested in a growth oriented, diversified investment portfolio
  • Do not try to time the markets
  • Implement a responsible withdrawal plan for consistent income from retirement accounts
  • Reduce portfolio withdrawals during periods of economic stress
  • Minimize investment expenses without losing value in critical areas such as professional counsel and portfolio management


The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.  There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.  Diversification does not protect against market risk.