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Let us help you navigate retirement risks

No matter how carefully you may have planned and saved for retirement, there are inherent risks that every retiree could face. The time to assess those risks – and make plans that will help you address them if they occur – is now.

There are eight retirement risks everyone faces. Some are familiar and you may have prepared for them. Others, however, are not as well known and could negatively impact your retirement plans if you are not prepared to manage them.

Liquidity – will your investments be readily available when you need them?

Health care – will your retirement years be healthy ones – and are you prepared to manage health care costs if or when they arise?

Long term care – will you need long term care – and have you protected are your assets should you need this care?

Investment Returns – will the rate and timing of your investments perform as expected – and what will you do if this changes?

Longevity – will you exceed the life expectancy used to create your plan – and will you outlive your income?

Inflation – will inflation go up or down – and can your planed income withstand the changes?


Plan Your Retirement with Clower Wealth Management

Create a Customized Blueprint
for Your Retirement

The Retirement Blueprint is a comprehensive, customized document with recommendations about the financial strategies and investment vehicles that can help you meet your retirement goals. It includes income projections and different possible outcomes, based on investment decisions. Learn more.


RISKThe R.I.S.K. program

If you are age 65 or older and ready to begin retirement, you are in the “distribution” phase of asset management. The Retirement Income Survival Kit (R.I.S.K.™) helps you to build a retirement income plan based on a withdrawal rate that helps insure you won’t run out of money during retirement. Learn more


ARCThe ARC program

If you are in your 50s and planning for retirement, you are in the “accumulation” phase of asset management. With retirement 10-15 years away, the ARC Process™ helps you create a custom plan for achieving your retirement goals. Learn more.



Financial and Retirement Planning serving retirees
on Cape Cod and Eastern Massachusetts