You don't want to enter into retirement
only to discover that your plan
doesn't feel right

A successful retirement begins with generating retirement income in a way that fits your approach, attitudes and personality. Many people do not keep to their retirement income plans simply because the plan does not fit them. Often, your retirement income plan will be influenced primarily by the attitudes and beliefs of those giving the planning advice, be it a professional advisor, friends or family. The plan you keep, however, needs to resonate with you, not them. 

At the core of any retirement plan, is how you will generate income to fund your expenses. Will it come from your investments or guaranteed income sources? Will it be fixed or flexible? Safe or risky? To find out your retirement personality, take the Retirement Income Style Assessment and we will get back to you with a report on your preferences.

Who is the RISA® for?

While we believe everyone will benefit from taking the RISA®, generally those who will benefit most are:

Those who are 10 years from retirement to those who are 10 years into retirement.

Those who have been searching for a way to make sense of their retirement planning approach.

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What is the RISA®

The RISA® is a questionnaire that takes about 15 – 30 minutes to complete. It is designed to help you uncover your preferences for retirement income. Your answers to the research-backed questions produce a RISA® report that helps you understand how you’ll be most comfortable funding your retirement.
Together we will be able to identify which “style” matches best to your preferences and how that can translate into a personalized retirement income strategy. The RISA® framework identifies a collection of retirement income preferences that translate into retirement styles. A retirement style addresses how one seeks to source their spending in retirement. This framework provides a first step in the transition from saving for retirement to spending in retirement.

How can it help my retirement?

Discussions about retirement income planning can become quite confusing as there are so many different viewpoints expressed in the consumer media about the best way to approach retirement planning. You do not want to enter into retirement only to discover that your plan doesn’t feel right.
The RISA® produces a clear set of results defining what matters the most to you. This will help you plan a strategy that fits your true preferences and ensures a retirement plan fit. Understanding your style from the start can save time and money. Otherwise, adopting a strategy that fails to align with your preferences can lead to a plan that is poorly implemented throughout retirement.

What Will I Learn?

There are competing viable approaches for retirement income. Retirement income strategies can be separated into four general styles. No one approach or retirement income product works best for everyone.
With the RISA results, you will have a better sense about which approach is best for you. It is a vital first step in building a retirement income plan. The four retirement styles are:

Time
Segmentation

A Time Segmentation or bucketing strategy usually sources short-term retirement income needs with bonds or other fixed income assets to help weather market volatility, with a more growth-oriented investment portfolio earmarked to cover longer-term expenses.

Total Return
Approach

The Total Return style identifies with sourcing income from a diversified investment portfolio. Investors rely on portfolio growth to sustainably support their spending and wish to preserve maximum flexibility for their assets.

Protected
Income

The Protected Income style uses contractually protected lifetime income to cover essential retirement expenses, along with a more diversified portfolio for discretionary expenses. These individuals are generally more willing to accept a role for insurance with lifetime income protections to help manage various retirement risks.

Risk Wrap

The Risk Wrap style balances comfort with market growth through investments, while also displaying a desire to commit to a solution and to build guardrails around the market risks to provide a more structured income stream.

How does it work?

Click on the link above to sign up and begin immediately taking the questionnaire. As you answer the questions, remember that there are no “right” answers. This questionnaire is meant to gauge of your preferences among different viable options, so you can take your time and respond honestly. Besides answering some simple demographic questions, the majority of the questions are asked on a scale, where you identify how strong you feel about the contrasting statements listed on the left and right.

Testimonials

What Others Are Saying:

Through studies and real world experience thousands of RISA® have been completed to date. Here are what just a few of the respondents had to say.
An understandable, user-friendly summary of my requirements without overload of technical detail. Easy to relate to and implement.

Peter H

It is a financial planning program that helps the client and financial planner (if involved) set a course toward the direction which is most comfortable to the client.

Dean G

Know thy self before investing thy money or risk financial failure. RISA will provide self-examination and confirmation of your biases.

Robert G

Feel Free to Contact Us

Take the RISA

The Retirement Income Style Awareness® Profile (the RISA®) helps you choose what retirement plan feels right to you.

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