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two greatest threats to retirement

In this week’s Hidden Wealth Reviews, I teach about the two greatest threats to retirement. In 27 years of working with Baby Boomers and retirees all across the country, these are the two greatest threats that I have seen:

  1. Sequence of return risk
  2. Taxes

In last week’s Hidden Wealth Review and on Hidden Wealth Radio, I talked about the top ten retirement mistakes that financial advisors say their clients make. Amazingly, mistakes concerning these two risks did not make that list.

Click Here to discover why these are the two biggest retirement risks and how you can avoid them.

Sequence of return risk is a triple threat to your retirement. If your account value is down (many people are currently down 25%) and you are about to retire or you are already retired and you draw 5% from that account, you have negatively sequenced the account 30% (assuming the account was down 25%). Mathematically, you now need to earn a 42.9% return just to get back to even!

That’s how sequence of return risk based on the market works. Sequence of return risk also has risk based on inflation. During periods of inflation, people need to pull more money from their account in order to have enough income. This draws their accounts down even further.

The tax risk part of sequence of returns occurs because, as taxes go up, people have to pull yet even more money out of their account in order to net the amount they need for living. With the money the Biden administration has already spent and the addition of the the year-end omnibus spending bill’s $1.7 trillion, taxes are going to have to go up to cover the spending spree.

With account values down, inflation continuing to rise and taxes going up, sequence of return risk represents a major threat to your retirement accounts. Find out where you can be to not have sequence of return or taxes for your retirement planning in 2023. To learn how you can avoid this triple threat, register for and attend this Tuesday’s Wealth Protection Webinar.

Learn How To Avoid The Two Greatest Threats to Retirement

Our clients use institutional money management which is vastly different than retail management. I will teach you this strategy and how this is used in combination with another strategy that has no downside market risk with unlimited upside growth.

I will also share a tax savings strategy supported by the IRS and our tax team that allows up to a 100% tax deduction in the same year (for those who qualify). This is a particularly effective strategy for high income earners and strong savers in IRAs and 401(k)s plus, it enables tax-free income.

One of the few saving graces (besides keeping the federal government open) in the omnibus spending bill is that the Required Minimum Distribution (RMD) age has been increased to 73. Within 10 years, the RMD age will be pushed out to 75. This increased RMD age provides extra time to Roth convert the money out of 401(k)s and IRAs. But, the time to start moving your money to tax-freedom is now!

You’ve worked hard for your money. Learn where your retirement planning can be in 2023. Register now for Tuesday’s Wealth Protection Webinar and learn how to avoid the government’s tax-deferred retirement account set up. Discover how institutional investing with indexing can drastically reduce your risk while increasing your return.

To register for Tuesday’s no-cost, no-obligation event, simply follow these four simple steps:

  1. Go to (or scroll down to the form below).
  2. Select the webinar date/time you prefer.
  3. Enter your information thoroughly – make sure to double check your email address.
  4. Click “Reserve My Spot!” to submit, that’s it!

Once you’ve registered, you’ll receive an email containing a personal access link to join Tuesday’s event. Don’t forget to add it to your calendar!

Strong savers in 401(k)s and IRAs and high income earner are the people who will benefit the most from our proven solutions. Proven solutions with a track record of measurable results. Imagine less stress, less worry. Peace of mind retirement protection.

Register for your preferred webinar time now because these events have proven to fill up fast.

Those who attend this event will receive a complimentary copy of my latest eBook:

The Baby Boomer Retirement Breakthrough-The Unfair Advantage to a Safe and Secure Retirement.

CHuck Oliver Retirement Breakthrough

Spouses and Significant Others are Encouraged to Attend This Event Together

Note: We serve Boomers and Retirees all over the Unites States. We have an efficient, supported process to meet online, as have been doing for over 20 years. Our online meetings are private, the access is restricted and we never share our meeting link with anyone who’s not a part of the meeting.

Chuck Oliver
Wealth Strategist | Best-Selling Author
We help Baby Boomers and Retirees thrive in retirement through a clear retirement road map that provides market correction and tax protection to optimize income and assets!