Building Your Secure Retirement Masterplan
Your Secure Retirement Masterplan is Heafner Financial Solutions proprietary method of increasing your chances of success for the retirement you want. In retirement, many families’ assets are at risk to shrinkage and even depletion due to market volatility, low returns, and “income drag.”
In need of monthly income, retirees often shift more money to bonds and cash to try and make their income last. But, not only is their income still at risk, the approach is called “income drag,” because it drags down growth. “Income drag” acts like friction to reduce earnings. We believe, as do many financial researchers, there are better ways to ensure income and increase growth.
Your solution should be to provide predictable and dependable income for as long as you live. It also needs to allow high growth comparable to a 100% stock portfolio. How do you accomplish both? This is the challenge for which most people have no plan.
Your Secure Retirement Masterplan is grounded in the research of America’s brightest minds in academia and independent think tanks, such as Wharton School of Business, Center for Retirement Research at Boston College, Texas Tech, Morningstar, The IFID Centre, Dr. Wade Pfau, Ph.D., CFA ®, and Dr. Moshe Milevsky, Ph.D.