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Coping With the Unexpected


 

Widespread economic weakness and market fluctuations have taken a toll on many investors. If you are at all concerned your retirement plan may no longer be sufficient to meet your needs, don’t delay taking action. While there are no magic fixes, a number of effective strategies do exist for potentially minimizing losses, generating additional income and planning for growth, including:



  • Planning for long-term care needs not covered by Medicare or other insurance

  • Paring your spending and rethinking non-essential goals

  • Allocating a portion — or a greater portion — of your portfolio to undervalued, growth-oriented investments

  • Preserving income with financial products, such as annuities1

  • Hedging income against rising inflation with investment options that adjust to changes in the inflation rate, such as Treasury Inflation-Protected Securities (TIPS)2

  • Returning to work on either a full-time or part-time basis


We can help you look at your retirement plan comprehensively, determine if you have any gaps, and help you identify ways to potentially minimize losses in order to stay on track in retirement. Contact us today to get started.

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Note: Growth-oriented investments generally involve greater risks and may not be appropriate for every investor.

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There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Past performance is not indicative of future results.



Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of Raymond James we are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

1Guarantees are based on the claims-paying ability of the issuing company.

2The principal increases with inflation and decreases with deflation, as measured by the Consumer Price Index. At maturity you are paid the adjusted principal or original principal, whichever is greater. Increases in TIPS principal value as a result of inflation adjustments are taxed as capital gains in the year they occur, even though these increases are not realized until the TIPS are sold or mature. Conversely, decreases in the principal amount due to deflation can be used to offset taxable interest income.

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