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Black Belt Financial

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Retirement Risk Assessment

Through our retirement risk assessment, we can foresee potential pitfalls before they arrive and adjust our strategies to limit your exposure and keep you living worry-free. As part of our retirement risk assessment, we evaluate:

Sequence of Returns

The risk of receiving low or negative returns in early years of drawing down a retirement portfolio and increasing the potential of running out of money prematurely. The risk can be managed by sound planning as well as through the use of insured annuity products and other guaranteed solutions.

Market Risk

The risk of losing invested wealth because of a market turndown or poor investment performance. Market risk can be managed through diversification of savings and investments, including the use of insured solutions to provide stability and assurance of income irrespective of market results.

Longevity Risk

The risk that someone will outlive their wealth and available income. Longevity risk can potentially be managed using insured solutions such as annuities, deferred fixed-indexed or variable annuities with living benefit riders, or using the Asset Cycle Portfolio System.

Medical Expense Risk

The risk of paying for the growing cost of health care related services in retirement. Medical expense risk can be managed through risk protected solutions such as Long Term Care insurance or Asset- Based Long Term Care as part of a broad financial plan.

Incapacity Risk

The risk that as a result of deteriorating health, a retiree may not be able to execute sound judgment in managing their financial affairs. Incapacity risk can be managed through having tools such as wills, trusts, powers of attorney provisions in place at the time of retirement, if not before.

Tax Risk

The risk that rising taxes or unforeseen tax consequences can have on a portfolio or on purchasing power. Tax risk can be managed using tax-deferred and tax efficient investment solutions and by seeking guidance from a tax professional.

Asset Allocation Risk

The risk of investing either too conservatively or too aggressively and not adequately diversifying assets to sustain a portfolio across market cycles. Asset allocation risk can be managed through assistance of an experienced professional, through the diversification of assets, and by including insured solutions as part of investment mix.

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Rebecca Miller is an investment adviser representative of, and securities and advisory services are offered through, USA Financial Securities Corp., Member FINRA/SIPC. www.finra.org A Registered Investment Adviser located at 6020 E. Fulton St., Ada, MI 49301. Black Belt Financial is not affiliated with USA Financial Securities.

Rebecca Miller is authorized to transact securities related business and investment advisory services only in states where properly registered. For investment products and services these states include: CT; FL; MI; VT. For investment advisory services these states include: CT; FL; MA; MI; NC; VT. Additionally, clients who are not residents of these states cannot be serviced. This website is not intended to provide investment, legal, or tax advice, nor to effect securities transactions or to render personal advice for compensation.

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