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According to a recent study, 60 percent of pre-retirees do not have a plan for how much money they will spend each year in retirement and where that money will come from.1 Additionally, three in four Americans are concerned about economic conditions affecting their ability to have a secure retirement.2

That’s where we come in.

Our proprietary Outlook 360 brings all aspects of your financial life into focus:  tax planning, investment management, risk mitigation and estate planning – so we can help you discover and repair any cracks that your money could be falling through.  We like to think of it as building your fiscal house.

Building a strong & sustainable retirement income portfolio is a lot like building a weather-resistant home.  Over time, your financial assets must weather a multitude of conditions, including market ups and downs, economic downturns, fluctuating interest rates and changes in your own health and lifestyle.  Our in-depth analysis and holistic approach not only stress tests your portfolio, but also provides us the blueprint of strategies to help you build your fiscal house.  From tax-efficient strategies to investment advice to protecting some of your assets, we work with you to develop a custom designed and engineered retirement portfolio that supports your retirement lifestyle, keeping you on the path toward financial confidence and freedom.

And, just like a well-built home needs regular maintenance and upkeep, after we create your wealth management plan, we will speak regularly to check on the plan’s progress and adjust or add services when needed.  We know you’ve got plans for retirement – a lot of them!  And we want you to have fun and focus on your dreams.  Outlook Wealth Advisors believes having the right set of blue prints, building a solid fiscal house and regular maintenance will allow you to experience the FREEDOM of retirement for many years to come.

1Greenwald & Associates. Society of Actuaries. January 2016. “2015 Risks and Process of Retirement Survey.”
2National Institute on Retirement Security. February 2017. “Retirement Security 2017: A Roadmap for Policy Makers – Americans’ Views of the Retirement Crisis and Solutions.”


Have questions about your current financial strategy? Want to maximize cash flow and minimize taxes in retirement? Uncertain if your financial goals can be a reality? Want more information on how we can help improve your fiscal future? Contact us using this form.
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Retirement Income Strategies

Will I have enough?

Life expectancy in the United States is at an all-time high.1 While that’s great news, one drawback to a longer life is the greater possibility of outliving your savings. In fact, in one study, 43 percent of Americans surveyed said their No. 1 fear in retirement was the possibility of outliving their savings.2

Figuring out the best way to make your savings stretch over the next 25 to 30 years can not only be confusing, it can also be overwhelming.


Insurance products like annuities can provide a steady and reliable income stream for the rest of your life, while investment products create opportunities for long-term growth. We can help you incorporate both in a financial strategy designed to put you on the path to the retirement lifestyle you want.

1 Honor Whiteman. Medical News Today. Oct. 8, 2014. “CDC: Life Expectancy in the US Reaches Record High.” Accessed March 23, 2015.

2 Catey Hill. MarketWatch. July 18, 2016. “Older People Fear This More Than Death.”

Insurance products guarantees are subject to the financial strength and claims-paying ability of the issuing company, and may be subject to restrictions, limitations or early withdrawal fees.  Annuities are not FDIC insured.

Wealth Management

Generally speaking, the longer you invest, the more potential your money has to grow. If you are trying to recover from losses and you’re looking to get back on track to accumulating wealth, you may want to consider a more aggressive asset allocation with at least a portion of your money. However, those who’ve lost in the stock market can be a little more wary of approaches that increase their market risks.

If that sounds like you, there are more conservative investment options available that provide the potential for wealth accumulation. Using these investment options in conjunction with other more secure tools can help you design a retirement planning strategy and wealth management plan that provides for reasonable growth and protects your nest egg. After all, the last thing you want to do in retirement is lose more ground during another market correction.

Asset Protection

You’ve got plans — a lot of them. Wouldn’t it be more fun to focus on your dreams than constantly worry about what the market’s doing?

Diversifying your retirement assets among a variety of vehicles — including a mix of both insurance products and investments, depending on what is appropriate for your situation — may offer you the best chance of meeting your retirement income goals.

Anyone who invests in the market should understand it involves the potential risk of principal. So, to provide some security not found in the stock market, you may want to include some insurance products in your financial strategy. These products, such as annuities, can provide supplemental retirement income and protect your money from declines due to stock market losses. Diversifying is an often spoken about topic in financial planning, wealth management, and retirement income planning. This is one such avenue.

Tax-Efficient Strategies

Rising taxes may be a concern for anyone — especially for individuals approaching retirement. Having a solid strategy in place for how you will pay taxes on your retirement income can be an important component to living on a fixed income and avoiding surprises come tax time.

Investing in or purchasing a tax-deferred vehicle means your money can compound interest for years, without paying current income taxes, potentially allowing it to earn interest at a faster rate. Tax-deferred vehicles only allow you to defer paying income taxes until the money is withdrawn — presumably during retirement when you may be in a lower tax bracket. However, few financial vehicles avoid taxes altogether.

Because tax-deferred vehicles are generally designed to help individuals work toward specific long-term goals in their tax planning and income planning, there may be restrictions on when money can be withdrawn without penalty. Early withdrawals may be subject to charges and fees. Withdrawals prior to age 59 ½ may be subject to an additional 10 percent federal tax.

Our firm is not permitted to offer, and no statement contained herein shall constitute legal advice. You should consult a legal professional on any such matters.

Estate Planning

Estate preservation, also called estate planning, is simply determining (while you’re still alive) where your assets should go after you die. Without a properly structured estate plan, your wishes may not be fulfilled, and there may be unintended consequences for your loved ones.

While the concept may seem simple, the vehicles, planning and implementation process can be rather complex. Because of the estate tax laws and the emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis.

We are happy to work with you and a qualified estate planning attorney to help you pass on the legacy you choose.

Our firm is not permitted to offer, and no statement contained herein shall constitute legal advice. You should consult a legal professional on any such matters.