It is important to understand that investment planning is not the same as retirement income planning. They require different approaches and are performed by two different kinds of financial professionals.
You wouldn’t go to a dentist if you had a heart problem. The same thing applies here. You wouldn’t go to an investment advisor for a retirement income strategy, but work with a financial professional who specializes in retirement income and is focused on incorporating Social Security maximization strategies, guaranteed* income for life** and stability. People preparing for their golden years may need to avoid volatility in the stock and bond markets and establish a strategy that helps assure them that they can retire with greater confidence.
This is the reason we carefully screen our agents and advisors as much for their values as their financial knowledge. They all undergo rigorous training and continuing education so the philosophy which is the foundation for J.D. Mellberg Financial is never lost, and so we can share retirement income strategies that meet the financial needs and goals of retirees and pre-retirees all over the country.