“The first rule is not to lose. The second rule is not to forget the first rule.”

– Warren Buffett

Safe Retirement Income Is Possible

Above all, Messina’s Wealth Management wants you to feel confident with your retirement strategy. As a matter of fact, we make it a priority. As Warren Buffett’s quote says, the first rule is not to lose. Given that rule, you must protect your money. With this in mind, we focus on options that protect your money from losses. To that end, our firm helps you discover that safe retirement income is possible.

To achieve this, we educate our clients on 3 core values:

  1. Know  How To Keep Your Money Safe
  2. Expect Reasonable Returns 
  3. Understand Retirement Doesn’t Have to Be Complicated
completely safe retirement income
safe retirement income
safe retirement income investments
As you near retirement, Priorities change

Why Safe Retirement Income Matters

Earlier in your accumulation years, you can afford to take more risk. Specifically, if the market drops, your finances drops. If you are still decades away from retirement, your finances has time to recover. In contrast, pre-retirees (or those already in retirement) don’t have the luxury of time anymore. If a crash occurs, such as what happened in 2008 or 2020, your ability to retire may be affected. Worse, if you are already in retirement when a crash happens, you may not have enough money to pay your bills. This is why safe retirement income is so critical. Essentially, safe retirement income gives you peace of mind, regardless of the market conditions.

Protect Your money
Messina's Wealth ManagEment Knows

How To Create a Safe Retirement Income

When building wealth, many people invest in the stock market via their 401(k), 403(b), IRA, or other retirement strategies. The idea is to “invest for the long haul.” Theoretically, if your money stays put, it grows over time. For the most part, this is, indeed, what occurs. However, once you are nearing or in retirement, your needs change. Now, your income no longer comes from employment. Instead, your lifestyle needs to be funded by your earnings . It is time for your money to work for you.

Your Money

With this intention, you’ll need to make sure that your principal is protected. If you’re counting on a certain level of income in retirement, you’ll need to make sure your principal is safe. As a result, you need to create a safe retirement income. Messina’s Wealth Management can show you how to use products such as Fixed Index Annuities (FIA’s) and various life insurance products to protect your wealth and your loved ones.

Annuities: Safe retirement
income option?

All things considered, the right type of fixed index annuity may be an ideal solution for creating a safe retirement income. For one thing, these annuities offer a guaranteed* income. Insurance companies are required by law to set aside “reserves” to protect their insurance members’ money. Our team can meet with you to help map out how much you’ll need to be comfortable in retirement. Another benefit FIAs offer, is tax deferment. Unlike a Certificate of Deposit (CD) or a mutual fund, you don’t have to pay taxes until you withdraw money from a fixed index annuity. This means your money can grow, tax-deferred.

Avoiding Ups & Downs

The bottom line is this: a safe retirement income begins with preventing losses. Our clients typically have a few things in common. First, they don’t want to lose the money they have worked so hard to earn and save. Second, they are looking to have their money perform at a reasonable rate of return** over time. Third, they want to keep things simple and have peace of mind. If any of these ideas sound interesting to you, please reach out. Our team is here to answer your questions and help you on your way to happy and successful retirement.

*Backed by the claims-paying ability of the carrier. 

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