• How would you replace your paycheck?
  
  
• How would you replace your paycheck?
  
  
• Do you have an income plan that will potentially last you a lifetime?
  
  
• What would you do if you ran out of money?
  
  
• How would you help protect your retirement income from losses?
  
  
• How far will your dollar go? Will you outlive your income?
  
  
• Will your retirement income dictate your lifestyle in retirement?
  
  
• How would you transfer your wealth to your beneficiaries in a tax efficient manner? 

During the past decade, the dramatic cycle of ups and downs in the financial world has left many of us wondering about the future. Most common question has been “What are the best options for helping to growing my assets and generating enough income to last a lifetime?”

Your Retirement Income needs may be entirely different than those of your friends and family members. Your financial risk tolerance is probably different, too. There is no “one-size-fits-all strategy” to meet everyone’s financial objective- especially when it comes to Retirement Income.

Your challenge is clear:

• Accumulate enough assets to last 20-30 years in retirement
• Combat inflation, health care cost and market volatility
• Compensation for the uncertainty of Social Security and corporate pensions
• Turn your assets into a stream of income that will last for life

Supporting a 20–30-year retirement in the face of inflation, rising health care costs and fewer source of
income requires a substantial investment. But accumulating assets for retirement is more than just saving
money from each paycheck. It also means investing that money so that it has the chance to grow and to
find a way to turn those assets into a steady stream of income that won’t run out.

While investing in the long-term provides the greatest potential, fear of losing money may tempt you to
make buy and sell decisions at the wrong time. This is a costly trap that too many falls into.

Are You Retirement Ready?

Picking a retirement date gives a whole new meaning to the term “market timing.” If you are nearing
retirement, you no longer have the time to make up any lost ground due to market volatility. Also, you may
withdraw assets, which will compound the effects of market losses early in retirement.

For helping to create a retirement income strategy, you must look to potential solutions, and you should
carefully consider how to allocate investments within your portfolio. Most importantly, you should create a
holistic approach to help you manage your portfolio to create a stream of income by focusing on facts not
assumptions, hypothetical, projections or averages. Most of the plans in the past and even today are based
on assumptions of interest rate or growth averages.


Our Solution

For those nearing or in retirement, a successful income strategy involves investing in tax-efficient products
that mitigate asset or income loss. Proper investment allocation is crucial to pursue a reliable income
stream throughout life.

We will work with you to reposition your assets and strive to:

• Maximize lifetime income to enjoy the retirement that you have dreamed
• Minimize income and capital gain taxes and avoid paying unnecessary taxes
• Preserve wealth for loved ones without compromising your lifestyle

It’s never been so important to seek a reliable income plan and to strive to make sure that you will
not run out of money and pay unnecessary taxes.

To receive Your personal Retirement Income Strategy
Call us now:  818-242-8242
email: INFO@universalcapital.com

Whether you need more income now or later,
We can show you how.