Managing and Protecting Your Wealth

Many retirees want to know if they have saved enough for retirement.  You want to work with someone you can trust to answer questions that specifically address your needs.

When saving for retirement, you have been concerned with saving as much as you can, investing those savings prudently so you can ultimately grow your nest egg as much as a you can.

Those heading into retirement (that is those entering the 'Distribution Phase' of investment management) have unique needs and concerns, not necessarily present in the 'Accumulation Stage' (the decades of saving leading up to retirement).

As you plan to retire you must now concern yourself with:

  • The risk of inflation eroding your purchasing power (Inflation Risk)
  • The risk of a down market in the early years of retirement (Sequence of Return Risk)
  • The risk of poorly structuring your investments for long-term income distributions (Market Risk)
  • The risk of outliving your savings (Longevity Risk)
  • The risk of something happening that could permanently derail your retirement (Unplanned-Event Risk)

These are the key risks you face, but by no means do they cover ALL of them. Mistakes early on in retirement can have a lasting negative impact, but you do not have to go it alone. As you evaluate the risks you face, new questions arise. Above all you want to know, how you should plan now to address these risks pre-retirement and any that may arise in retirement. 

You likely cannot eliminate ALL of these risks (nor would you need to).

With prudent planning and expert advice, you can identify how each of these unique challenges will specifically affect you and have a PLAN to mitigate the adverse impacts of these risks on your retirement. 

There is no cookie cutter approach to helping people make their nest egg last. At Moran Financial Consulting, we take the time to get to know you and understand your specific situation. We build custom plans and sets of solutions to help you have the retirement you deserve. We can work in person or remotely in the states we are properly licensed in. 

You have been saving diligently, have invested prudently, and now you need expert guidance on how you can position your investments to provide you with the income that you need so you can fully enjoy the next phase of your life.

We can help! Let's talk! The sooner you plan, the better off you will be. Book a high value, no cost or obligation consultation now:

 

To book an appointment, click >> Schedule time with me

 

Moran Financial Consulting, LLC is an INDEPENDENT financial services practice based in the Minneapolis, Minnesota area. We are registered in over half the union with more states being added. We specialize in helping our clients create an investment plan that ensures they are on track to achieve their near-term and long-term goals. This includes solutions protecting them from the "what if's" in life as needed/desired.

Our principal advisor, Norberto C. Moran, RICP®, began his career in the industry in 2007. He started out as an independent insurance representative serving the needs of seniors In 2009 Norberto became a financial consultant with a national Fortune 500 financial services firm, where he developed a passion for incorporating a disciplined, needs-based process that places his clients needs where they belong; at the center of everything he does. Today, as an independent advisor, Norberto has aligned with Cambridge Investment Research, Inc. out of Iowa to provide broad-based, objective, client-centered financial planning, investment, and Medicare solutions. 

Norberto's credentials:

Series 7 License (Registered Representative)
Series 66 License (Investment Advisor Representative)
Life, Health and Annuity License
PTIN - IRS Authorized Tax Preparer
Accredited Investment Fiduciary (AIF®)
Retirement Income Certified Professional (RICP®)