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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.

Time
Segmentation

The Time Segmentation styles appeals to those seeking a mixture of contractual protections alongside flexibility. 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
Approch

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.

Risk Wrap

The Risk Wrap style maintains comfort with focusing on 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.

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.
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:

Investment advisory services are offered through Crystal Capital Management Corp. (CCMC), a Massachusetts-registered investment adviser. Harold Zazula is an Investment Adviser Representative of CCMC. See myccmc.com for company website. 

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