What Are Your Thoughts‪?‬ LifePoint Planning - Doug Oosterhart

Prospective client questions answered:


I thought you should only use a Roth if you expect your tax rate to be higher later? Is this true?
Does my money stay invested when I roll it from my old 401(k) to my IRA?
Can we only take advantage of upside returns and "miss" any downturn in the market?



Send any questions to: info@lifepointplanning.com

**If you hit the 401(k) maximum contribution before the end of the year, watch out! Make sure you are still in a position to get the full company match. Some employers will cease the match and you could miss out.**

One of the most important and relevant topics (especially in 2022) is the sequence (or order) of returns risk in retirement. There is little importance to "average returns" when you are in the withdrawal phase. Make sure you have a plan for it!



Baird Sequence of returns risk PDF.

AXA Equitable SORR PDF.

Athene SORR PDF.

This episode includes questions from listeners about what's going on in the stock market so far in 2022.



Questions discussed:



Who/what is to blame for the stock market's negative performance in 2022?

Is investing gambling?

How often should you check your investment accounts?

Is retirement a myth?

In this episode, we discuss using ETF's as a way to hedge against market downturn.



For retirees and investors that want to share in some upside potential with downside protection, this episode is for you.



Sites mentioned:

https://www.innovatoretfs.com/

https://www.allianzim.com/buffered-outcome-etfs/

https://www.allianzim.com/wp-content/uploads/files/Investor-Guide.pdf

The "A" word - annuity. People often have polarizing opinions on annuities. Let's look at the pros and cons and how they may or may not be a tool for some people in retirement.



Annuity types covered in this episode: SPIA and SPDA (Single premium immediate/deferred annuities) and FIA (Fixed-indexed annuities).



Get your retirement guide here: https://bit.ly/LPP-Ret-Guide

Now that you've learned about the pros and cons of the 4% rule(s), let's examine how we can improve them for retirees. In this episode, we discuss a popular strategy called "guardrails" and how to optimize your retirement income.



Have you seen our guide on the top retirement income and investment strategies for all market conditions? If not, you can get our FREE download here.



The full interview with Jon Guyton on the Financial Advisor Success Podcast is here.

A lengthy blog post about Guardrails (including the examples used in this episode) is available here.