Fundamentally, we all fear running out of money once we reach old age in retirement. During our working careers, we use our income to support our family's survival and lifestyle. But we also use our working income to save and invest now in order to later produce income throughout our 30 years of retirement. These savings and investments produce income to pay for our survival and financial freedom in retirement.

Clients’ concerns begin with, “How much will it cost per year to pay for our survival?"

• Shelter (Mortgage, rent, insurance, taxes, utilities, maintenance)
• Healthcare (Insurance premiums, co-payments, prescriptions, emergencies, uninsured expenses)
• Transportation (Car payments, insurance, maintenance, gasoline)
• Food and Clothing

Even once we have enough saved and invested (capital-at-work) to produce income to care for our survival, there then comes varying degrees of financial freedom. Without sufficient income, we are forced to live with uncomfortable compromises and constraints. For example: Will we have enough income to choose the quality of healthcare we receive? What about the quality of the food we consume on a regular basis? Will we be able to afford to live in the neighborhood of our choice or to visit loved ones when we choose? Will we be able to maintain the relationships that are most meaningful to us? Will we be a burden on our children when we can no longer care for ourselves?

Producing enough money during retirement not only allows provision for basic survival, but it also provides the freedom to:

• Receive care and treatment from the best doctors and institutions
• Live in safe neighborhoods with our friends
• Vacation and play: how, when, and with whom we choose
• Maintain relationships that are meaningful
• Move freely to visit loved ones
• Travel to experience other lands and cultures
• Give generously to spiritual and charitable causes we care about
• Direct how we will live our lives
• Design the legacy we will leave

Producing enough money during retirement is a result of our investment philosophies, strategies and practices during all 40 years of our working careers and 30 years of retirement. By choosing the appropriate investment philosophy, employing the proper investment strategies and embodying powerful investment practices, investors have superior opportunities to produce enough harvest to protect their survival, and allow for financial freedom. You reap what you sow, sow wisely.

Winter Park FL based Financial Harvest is a full service independent certified retirement & financial planning, investment advisory, and wealth management firm serving clients throughout Central Florida and the nation. Our financial services help investors in, but not limited to, Orlando, South Orlando, Winter Park, Maitland, Lake Mary, Heathrow, Windemere, Bay Hill, Tampa, Ocala, the Villages & Jacksonville.

Authentic Professionals | SEO by evolveALOUD