Retirees are typically interested in maximizing the safe withdrawal rates from their portfolios. For most retirees, the most dangerous time is immediately preceding and following retirement itself, when a stock market collapse can lead to long-term reduction in the payout. Asset allocation should be most conservative at this time, either by increasing the percentage of high quality fixed income investments, increasing the allocation to low-volatility equities, or both.

Conservative Wealth Management LLC is happy to crunch the numbers for you and help you generate an income stream from diverse sources. Unlike many financial advisors, we typically recommend a selection of stable dividend stocks for retirees along with their capital appreciation portfolios.