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R.I.S.K.™ – The Retirement Income Survival Kit

Clower Wealth Management offers clients a unique process designed to help them weather the risks retirees can face when they begin to draw on their retirement savings for income. These include fluctuating markets and returns, inflation, liquidity, longevity, taxation, and declining health.

The R.I.S.K. Process™ enables you to build a retirement income plan based on a withdrawal rate that helps insure you won’t run out of money during retirement.

The R.I.S.K. Process is based on three principles:

1. Transition from asset allocation to income allocation.

2. Determine your withdrawal percentage.

3. Address risk.


The R.I.S.K. Process helps insulate your income against key retirement risks by constructing an individualized risk-focused portfolio comprised of various income solutions. The income solutions within each custom portfolio are uniquely designed to work together to provide specialized benefits such as asset accumulation, lifetime income, inflation protection, tax efficiency, long term care coverage, and death benefits.

To learn more about the R.I.S.K. Process, view this video.

 

RISK

TOOLS FOR RETIREMENT:

R.I.S.K.

ARC

FOCUSED PLANNING

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TOOLS FOR ASSET MANAGEMENT:

Life Assurance 360

TOPS

THE TOLI EXPERT SYSTEM

THE CARES PROCESS

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An Overview of R.I.S.K.

To get started

To get started, please download the R.I.S.K. brochure & questionnaire below, then contact our office to schedule a no-cost, no-obligation consultation with Bob Clower to review your information. • EMAIL • 508-477-2775

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RISKR.I.S.K. brochure

Download a pdf copy of the RISK brochure to learn more about this program.

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RISK questionnaireR.I.S.K. Questionnaire

Download the R.I.S.K. questionnaire to help you get started

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blueprintR.I.S.K. Sample Blueprint

Download a pdf copy of a sample blueprint for the R.I.S.K. process

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