Ah... the Golden Years. We all look forward to Retirement. Those wonderful years you can spend lowering your golf handicap, traveling the world, enjoying your grandchildren and actively following all the dreams you cherish.  We all want our golden years to be... well... golden, don't we?

Unfortunately, Wall Street has taught us that things that "go up", can also come down.  The past few years have performed remarkably well with the overall broad market here in America up over 30% since late 2016.  But as we know, the market is not always nice to us.  In 2007 - 2008, the market lost 47% of it's value... followed by a five-year recovery... and then lost it all again (-56.8%) in the 18 months that followed.  And while some nice profits were certainly available during this time period, if you didn't have a mechanism in place to capture and lock-in your gains for life, the market probably took back some or all of those gains over the 18 month bear market of 2008.  

We now find ourselves (Fall 2019) at all-time highs in the overall S&P 500, and many experts feel the market is ripe... or overdue for a major market correction.  I don't know if they are right or not, but truth be told, markets tend to operate in cycles, and the current cycle does look somewhat risky.  I simply ask that you remember the lessons we learned in 2000 and 2008:  The Market Giveth, and The Market Taketh Away.

When this Poker Game turns sour, and it will... many will remain at the table counting smaller and smaller piles of chips hoping the setback is temporary.  If you're young and not yet dreaming of retirement, it's easy to be more aggressive with investments... because there's plenty of time to make up for a bad year or two.  

But for those retired or nearing retirement, it just makes good sense to be safer and simpler with your money.  At some point, we all need to graduate from the 'Accumulation Phase' to the 'Preservation Phase', and when that phase comes ringing your doorbell, it's time to protect your principal and capture real gains that are yours to keep!   As a matter of fact, right now might be the best time to consider protecting what you've worked your entire life to achieve.

Here at Smart Money Retirement Solutions, we teach our clients how to create and accumulate wealth on a tax-advantaged basis...  then we go on to protect and keep their nest egg safe while designing and building dependable income streams they will never outlive, allowing them to enjoy a Retirement Lifestyle with confidence and dignity.  Isn't that what we all want?  

Our solutions are simple, intelligent and automatic... allowing you to enjoy and maintain your standard of living for the rest of your life. We call it creating and preserving wealth with certainty rather than leaving it all to chance.

You know where you want to go... let our Smart Money Solutions help you get there.  Prepare to Sleep Well.