Will Your Retirement Years Truly be 'Golden'?

Today more than ever, people nearing retirement need a clear strategy to help ensure that their investments match their retirement goals. Innovative Retirement Income Solutions (IRIS), LLC, is devoted to helping you understand and articulate your needs and desires for retirement...and to build, implement and maintain a retirement plan tailored specifically for those needs.

Nearly 1/3 of households have no retirement savings as reported by McKinsey & Co., and only 4% of middle income married couples who have no pension and are nearing retirement are likely to have enough money to last a lifetime according to a report by Ernst & Young.

The need for stable sources of income in retirement has been recognized by Retirement USA, a national initiative launched recently to recommend major changes to our retirement system. All of the current recommendations from this group include some sort of pension/guaranteed income. Employees facing retirement within ten years may not reap the benefits of this initiative, since Congress will have to adopt any changes.

Innovative Retirement Income Solutions (IRIS), LLC was created to assist employees in their immediate pre-retirement years with stable sources of income that have the greatest potential to last through a lifetime.

Many questions and concerns may confront you in plan- ning for retirement, such as:

• When can I retire?
• What are my goals when I retire?
• Do my investments match my goals?
• Am I going to outlive my resources?

At IRIS we have the training, experience and tools to help you address all of these and more in a focused, step-by-step approach that takes into account your basic needs and lifestyle wants, along with possible obstacles which may lie in the road ahead.

The challenges we face in retirement planning can be summed up in the following five areas of concern:

• Changing sources of income
• Longevity: Increased Life Spans
• Inflation: Maintaining Your Standard of Living
• Market Volatility
• Rising Health Care Costs

We use Lincoln Financial Advisors' proprietary software, which is an innovative and highly flexible financial planning tool, to help us develop a retirement plan to help you meet your retirement goals. Using your personal data for current income, assets and expenses, this software can help us forecast your retirement income needs. This software allows us to assimilate any number of likely scenarios based on the various parameters of your data. Through possible "what if" scenarios, we can help you to determine whether your projected income has the potential to meet your future needs and wants, balanced against the risks.

Through this analysis, your financial picture will be more sharply focused, revealing details and potential outcomes with unparalleled clarity - some that you have probably never even considered before. The entire process provides an invaluable framework for us to build a retirement income strategy tailored to your specific needs and goals.

Once we have reviewed the pros, cons, risks and costs of specific recommendations with you, you will be better informed to make the appropriate decisions to help you reach your retirement income goals. Your registered representative will now help you implement the various steps in the retirement plan that you have chosen. We will then continue to meet with you on a regular basis to check the status of your retirement plan by comparing actual results to initial assumptions, and use this analysis to determine if adjustments need to be made along the way.
For more details or to schedule an appointment, please call us toll-free at 1-800-232-3653.