Are you familiar with the growing focus on decumulation?
Decumulation is the process of converting the wealth you've spent a lifetime accumulating into a steady income that lasts as long as you do, rather than continuing to focus predominately on growth.
It's the descent after the climb, and for many retirees, it's the more dangerous half of the journey.
The danger has a name: sequence of returns risk. It strikes hardest during the “Retirement Red Zone,” the 5 years before retirement and the 5 years after, when a market downturn combined with ongoing withdrawals can permanently damage a portfolio, even if the market fully recovers later.
This is exactly why guaranteed, lifetime income matters most in this window. Money that is not at risk of market loss during the Retirement Red Zone cannot be depleted by bad timing.
If you’re wondering where you actually stand in your own planning, the Journey Clarity Assessment was designed for exactly that moment. It is a free 5 minute assessment that gives you a clear picture of where your attention is most needed right now.
Take the Journey Clarity Assessment→https://donna-8d6rjoqv.scoreapp.com
Donna Glass, JD, is the founder of Living and Legacy Business Solutions, a consulting practice focused on exit strategy, legacy planning, and coordinated gap protection planning for established business owners and professionals approaching retirement transition.