The Four Phases of Retirement  Planning

The Accumulation Phase
The Preservation Phase
The Distribution Phase
The Legacy Phase

Get Started

To see if we are a good match, reach out for a free consultation. 

Accumulation - 
Preparing for Retirement

Save, Save, Save.
Like a running a marathon, saving for retirement is strategic, disciplined, and a long term plan. 

Preservation- 
Transitioning into Retirement 

It's not what you make, it's what you keep that counts!
Preservation of wealth, so it's available on the day you retire is a critical step. 
We Make Smart, Precise decisions that ultimately affect the outcome of your upcoming retirement.

Distribution-
Living in Retirement 

You have worked hard for a paycheck, saved, and sacrificed. Now its time to let your hard work pay you back with an income you can't outlive. Enjoy your retirement! Mitigate the new risks faced in retirement.  But don't worry, We are with you the whole way. 

Leaving a Legacy 

You have worked hard, retired well, now its time to leave the legacy and keep your story  and the legacy of  'you' going on for generations. 

"...So much more than wealth accumulation and 
asset management..." 

We do things different here at Dantas Financial.  The traditional method of "planning" was to accumulate as much wealth as possible and at retirement take a 4% annual withdraw from the portfolio. Changes in the market like Black Swan events and new scientific research now proves retirement is way more complex.  Things like, taxes, various withdraw strategies, longevity, health,  and aging are risks that majority of Advisors may not have additional training for.  We are the 7.5% of Specialists with the RICP® * that do know and we are pros at it!
*Based on 2016 data from the U.S. Department of Labor 
Statistics and The American College of Financial Services
SCHEDULE A CONSULTATION
"Retirement planning is like climbing a mountain"

The Retirement Income Journey

The four phases above represent the broader retirement planning process. But when it comes specifically to turning your lifetime savings into retirement income, we think about the journey in three stages: Accumulation, Transition, and Distribution.

Think of retirement planning like climbing a mountain. Accumulation is the journey up. The transition—or preservation—stage prepares you for the descent. Distribution is the journey back down, when the wealth you've accumulated must begin supporting your lifestyle.

1.Accumulation —

The Climb Up

During the accumulation phase, the primary objective is growth. You invest your earnings and savings according to your goals, time horizon, and risk tolerance through accounts such as IRAs, 401(k)s, and other investment vehicles.

While market volatility matters, time can be one of your greatest advantages. During your working years, you generally have more opportunity to recover from market downturns before needing to rely on your investments for income.

2. Transition/Preservation

Preparing for the Descent

The transition phase often begins several years before retirement. This is when the focus gradually shifts from simply accumulating wealth to preserving what you've built and preparing it to produce retirement income.

Investment risk, cash reserves, Social Security, taxes, withdrawal strategies, healthcare expenses, and potential sources of guaranteed income all become increasingly important.

The objective isn't simply to reach retirement with the largest possible account balance. It's to arrive with a coordinated strategy for turning those assets into sustainable income.

3. Distribution —

 The Journey Down

Once retirement begins, the financial landscape changes.

You're no longer simply investing for a future goal—you are beginning to draw income from the assets you've spent decades accumulating.

This introduces risks that were less significant during your working years, including sequence-of-returns risk, longevity, inflation, healthcare costs, taxes, and the possibility of market declines while withdrawals are occurring.

Successfully navigating down the mountain can require a very different strategy from the one that helped you climb it.



To see the 18 Risks Faced in Retirement... Click Here.  


Get Started