Guiding you through
this transition.

 Retirement is one of the most significant transitions many of us will make in our lives, both emotionally and financially. And we can’t stress that enough: it’s impossible to parse the two. Your financial goals should and will be tied to your values, and regardless of where you are in the retirement planning life cycle, that remains constant. 

The retirement life cycle is a long one in that it is never too early to start planning. To that end, we see it as having three basic phases: asset accumulation in preparation for retirement, transitioning to retirement, and enjoying retirement. Each phase is associated with vastly different financial circumstances and characteristics, especially depending on the individual. But at a bare minimum, a person’s risk tolerance and, by extension, appropriate asset allocation, is likely to change throughout the various phases of this life cycle. For example, while the first phase is typically marked by growth as a priority, the last phase is more commonly marked by replacing traditional work income streams with income from a portfolio.


Learn more about wealth management at Howe & Rusling.