https://www.retirementplanningscottsdale.com Anne Lester of J.P. Morgan Asset Management offers tips about these decisions in an article dated May 30, 2018. Here’s what she believes you should discuss with an advisor:
- When to Start Collecting Social Security
This is “the single most important decision” clients will make because it has “long-term consequences,” said Lester. “Deciding when to claim [Social Security] benefits will have a permanent impact on the benefit you receive.”
- When to Begin Withdrawals From a Retirement Account
One of the greatest risks to success in retirement planning is the moment when a client shifts from savings to withdrawals in their retirement accounts, especially when withdrawals begin during a down market.
- How to View Market Risk
There are two factors investors and their advisors should consider when discussing market risk as it relates to a retirement accounts: the willingness of an investor to undertake market risk and the capacity of their portfolio to do so.
Read the full story here: https://www.thinkadvisor.com/2018/05/30/3-critical-decisions-every-pre-retiree-must-make/
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