Get ready for a secure retirement: It all begins with preparation.

Ensure Your Financial Independence in Retirement. Discover how our retirement planning solutions can secure your future income. Speak with a financial professional today and start building a retirement plan that guarantees peace of mind and lasting security.

As you approach retirement, the importance of income security cannot be overstated. Planning your retirement with a focus on income security means ensuring you have a steady, reliable flow of income that will last throughout your retirement years, regardless of market conditions or unexpected expenses.

Planning for retirement can be daunting, but securing a stable and reliable income stream shouldn’t be. Income security is the cornerstone of a worry-free retirement, providing you with the financial independence you need to enjoy your golden years. I can help you explore practical strategies and tools to help ensure your income security during retirement.

Understanding the Pillars of Income Security

Diversified Investment Portfolio

Diversification is key in mitigating risk and ensuring a steady income flow. A mix of stocks, bonds, real estate, and other investments can help balance your portfolio, reducing the impact of volatility in any single asset class.

Income Annuities and Pensions

These are crucial tools for guaranteed income. Income Annuities provide a steady paycheck for life, helping mitigate the risk of outliving your savings. If available, maximize your pension benefits by understanding the best time to start collecting.

Social Security Optimization

Deciding when to start collecting Social Security benefits can significantly impact your lifetime income. Strategies like delaying benefits until age 70 can substantially increase your monthly checks, securing more income in later years.

Practical Steps to Build Income Security

Early Planning

The earlier you start planning, the better. Early planning allows more time for your investments to grow through the power of compounding and gives you a more straightforward pathway to manage debt and increase savings.

Budget Management

It is crucial to understand and manage your expenses before and during retirement. This includes planning for healthcare costs, which can take up a significant portion of retirement budgets.

Professional Guidance

Consulting with a financial advisor can provide personalized advice tailored to your financial situation. A professional can help design a retirement plan that maximizes income security based on your specific needs and goals.

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Staying Flexible and Informed

The landscape of retirement planning is constantly evolving, with changing tax laws, benefit programs, and economic conditions. Staying informed through reliable financial news sources, continuous learning, and adapting your strategies in response to evolving circumstances are crucial to maintaining income security.

Income security in retirement begins with thorough preparation

Achieving income security in retirement is about preparation, thoughtful planning, and ongoing management of your financial resources. By diversifying your investments, maximizing your benefits from annuities, pensions, and Social Security, and getting expert guidance, you can secure a stable financial future.

Quote Left Remember, the goal of retirement planning is to save enough money and create a sustainable income stream that allows you to enjoy the retirement you’ve worked so hard to achieve. Start your journey towards a secure retirement today by assessing your financial health and considering talking to a financial advisor. Quote Left

Sean Ruehl

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Principal

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Strategic Guidance for Lasting Success

Personalized Insurance & Financial Solutions

I offer both virtual and in-person meetings. With 30yrs experience, I specialize in Retirement Income Planning and Decumulating your retirement assets to replace the paycheck you'll never receive again. Was your paycheck ever at risk? Will it be?

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About Me 32 Years of industry experience

I have 30 years experience, 24 as a CERTIFIED FINANCIAL PLANNER. I've been a fiduciary in bank trust departments, money manager, estate planner, risk management specialist, and wealth management bank lending. I focus as an independent advisor, on retirement income planning and decumulating retirement assets. Most people are walking, unknowingly, into retirement not realizing that the approach they took to get TO retirement is entirely different than what you need to do to get THROUGH retirement without running out of income. I help people see the tools used to climb up the mountain to retirement (accumulation), exposes you to catastropic loss while you go through retirement (decumulate). Interesting that most professional mountain climbers say it's the descent where most accidents happen with severe injury or death. The mindset and tools required for descent are far different for those used in climbing or accumulating. I'm one of a few advisors dedicated to helping people see this.

Triangle Financial Strategies LLC

114 Torrey Heights Lane Durham, NC 27703

(919) 228-9665 [email protected]

Why Expert Guidance is Essential

Tailored solutions for your unique needs

Because your values and goals are personal to you, a one-size-fits-all solution simply won't do.

Get the ideal solution for you

Consulting with an experienced professional can help you explore options to find the right balance of benefits tailored to your needs.

Together for the long haul

As your life evolves, so do your needs. I’ll be there to help you every step of the way.

We have got you covered

Securing Your Golden Years, One Step at a Time.

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