Gary A. Szewczyk
The Life Planning Retirement Group
TAKE THE FREE RISA® ASSESSMENT TODAY TO UNCOVER YOUR RETIREMENT PREFERENCE!
Retirement Income Style Awareness: Discover the Benefits of RISA®
What is the RISA® and how will it help my Retirement?
What is the RISA®?
The RISA® is a questionnaire that takes about 15-30 minutes to complete. It is designed to help you uncover your preference for retirement income. Your answers to the research-backed questions produce a RISA® report that helps you understand how you'll be most comfortable funding your retirement. You and your financial advisor will be able to identify which "style" matches best to your preferences and how that can translate into a personalized retirement income strategy.
The RISA® framework identifies a collection of retirement income preference that translates into retirement styles. A retirement style addresses how one seeks to source their spending in retirement. This framework provides a first step in the transition from saving for retirement to spending in retirement.
How does the RISA® help my Retirement?
There are competing viable approaches for retirement income. Retirement Income Strategies can be seaparted into four general styles. No one approach or retirement income products works best for everyone. With the RISA® results, you will have a better sense about which approach is best for you. It is a vital first step in building a retirement income plan.
1. The Total Return Style identifies with sourcing income from a diversified investment portfolio. Investors rely on portfolio growth to sustainably support their spending and wish to preserve maximum flexibility for their assets.
2. The Protected Income Style uses contractually protected lifetime income to cover essential retirement expenses, along with a more diversified portfolio for discretionary expenses. These individuals ae generally more willing to accept a role for insurance with lifetime income protections to help manage various retirement risks.
3. The Risk Wrap Style maintains comfort with focusing on market growth through investments, while also displaying a desire to commit to a solution and to build guardrails around the market risks to provide a more structured income stream.
4. The Time Segmentation Styles appeals to those seeing a mixture of contractual protections alongside flexibility. A time segmentation or bucketing strategy usually sources short-term retirement income needs with bonds or other fixed income assets to help weather market-volatility, with more growth-oriented investment portfolio earmarked to cover longer-term expenses.
How does the RISA® work?
The Retirement Income Style Awareness Profile, the RISA®, is a series of questions asked to help identify your true retirement preferences. Once completed, your results can help you (or your advisor) define strategies that match your personality closer than ever before.
It examines the decision-making factors that you consider among the various retirement income decisions and identifies your best fit. Your RISA® Profile takes the best that psychology and financial planning has to offer.
The RISA® is the first financial personality assessment that identifies your retirement income style and implementation approach.
3 SIMPLE STEPS TO GET STARTED:
1. Sign Up
2. Answer the Questions
3. Get Results & Review
Click the on FREE RISA ASSESSMENT button above. You will receive via email a link to log in and an email with instructions to set your password.
The majority of the questionnaire is done through you choosing between two statements. On the left and right will be a position on an aspect of retirement, and you select which one you feel stronger towards. There are no right or wrong answers, just your own preference.
Within 3-4 days you will receive your results. We will review your full multipage report on your retirement style. The results will be used to inform your retirement decisions to help create a better plan.
Gary A. Szewczyk
The Life Planning Retirement Group
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Gary A. Szewczyk
The Life Planning Retirement Group
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Thank you!
Gary A. Szewczyk
The Life Planning Retirement Group
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