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Risks Faced In Retirement
Retirement Risk Management 
18 Risks Faced In Retirement 
Are you prepared for the 18 risks faced in retirement?  Building a retirement income plan is a complex process and building solutions to retirement risks is much more than just checking the box. For example, solving longevity risk may include deferring Social Security, purchasing annuities with lifetime payouts, buying life insurance to provide an income stream to a surviving spouse, and carefully choosing a withdrawal strategy from a retirement portfolio. In other words, almost every risk described here requires a carefully crafted, balanced set of solutions that requires thought, knowledge, and experience.

  • Risks of Outliving Resources

     1: Longevity Risk

     2: Inflation Risk 

     3: Excess Withdrawal Risk

  • Risks Associated with Aging

    4: Health Expense Risk

    5: Long-Term Care Risk

    6: Frailty Risk

    7: Financial Elder Abuse

  • Investment Risks

    8: Market Risk

    9: Interest Rate Risk

    10: Liquidity Risk

    11: Sequence of Returns Risk 

  • Work Risks

    12: Forced Retirement Risk

    13: Re-Employment Risk

    14: Employer Insolvency Risk

  • Family Risks

    15: Loss of Spouse Risk

    16: Unexpected Financial Responsibility Risk 

    (ie. care for parent or child)


  • Other Risks

    17: Timing Risk 

    18: Public Policy Risk 


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