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The Agbay Group
A Wealth Advisory Company
Our process begins with identifying and understanding the Two Stages of Money in Retirement Planning and carefully navigating you through both.
2 Stages of Money in Retirement Planning
Stage 1
Asset Accumulation
While Working
Making salary
Investing monthly
Desire maximum growth
Don't need current income
Assets meant to create future retirement income
Time is on your side
Stage 2
Income Distribution & Asset Preservation
Retired & Pre-Retired
No salary
No monthly investments
Desire maximum security
Want low volatility
Must minimize losses
Create maximum income guaranteed* for life
Assets to produce income now or in future
Time is no longer on your side
*Guarantee are subject to the claims paying ability and principal strength of the annuity issuer.
The strategies that get you through stage one, cannot and will not work in stage two. If you are using the same strategies in retirement as you did in accumulation stage, your planning can be ineffective.
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