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Save for Retirement. Then Protect Your Savings.

Of course, you should save for retirement. But as a firm that specializes in retirement planning, we believe that saving by itself isn’t enough. We also believe that if you’re over 50, you shouldn’t take the risks you did when you were younger and that your retirement plan should have a strategy to protect your principal.

That’s why Retirement Planners of America follows an Invest and Protect strategy that is designed to take advantage of the stock market’s unlimited upside when it allows and protect your savings when it is trending in a direction that historically indicates it is trending in a direction that indicates a bear market is on the horizon. 

Too many people learned the importance of investment protection during the Great Recession. People near retirement were especially hard hit.

And though thankfully recessions don’t happen often, bear markets typically occur every three years. 

If you suffer a big loss during a bear market when you’re near retirement, you might have to delay it. If you’re retired and living on your investments, you could have to cut your standard of living or go back to work—or both.

It’s that risk that guides our belief that proper retirement planning is a two-part process: Save for retirement, then protect your investments.

Change in Median Net Worth from 2007 and 2011, by Age of Household Head.

U.S. Adults Nearing Retirement (Ages 55 to 64) Saw the Largest Decline in the Dollar Value of Their Wealth Between 2007 and 2011.

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Over 50? We Think It's Time for Phase Two of Retirement Planning.

If you’re like many people, you’ve saved for retirement for years with the goal of getting the highest return possible. But if you are retired or close to retirement, we believe you can no longer take the risks you took when you were younger. We believe retirement should trigger a shift in your focus from growing your investments to protecting them.

That’s why our main goal for retirement planning is not growth at all costs. It’s preserving your standard of living and helping you find financial peace of mind.

Retirement Planning Should Help Your Investments.

How? If you want to help your money last as long as possible, we think you should begin with a cash flow analysis.

That analysis is the first thing we do when you become our client. Our advisors talk with you about how much money you need to cover your living expenses in retirement. Then we consider taxes, inflation, and your spending habits in order to estimate what we call a “hurdle rate”—the rate of return we think you need to earn to sustain your standard of living for the rest of your life. We use that rate to help you determine how much you’ll need to save for retirement with what we believe is the highest probability of achieving that hurdle rate while limiting risk.

Want to estimate your own personal hurdle rate?

Help Safeguard Your Retirement with an Invest and Protect Strategy.

Perhaps even more important than the cash flow analysis planning is the Invest and Protect Strategy we employ for retirement planning.

Our proactive, objective, mathematical strategy sounds an alarm when the market is trending downward toward what we think is bear market territory. We designed this investment strategy to help us shield your investments from the worst of market volatility.

The Invest and Protect Strategy is designed to enable you to participate in the upside as long as it lasts, and then gets you out of equities with, what we believe are, tolerable losses when the trend changes toward what we consider a bear market based on historical data.