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SOCIAL SECURITY
CHOOSE WISELY. With a multitude of options to choose from on when and how to file for Social Security benefits, it is only logical to take a closer look at which choice may guide your retirement income EXPECT THE UNEXPECTED. Healthcare costs are one journey in the direction you want to go.
SEQUENCE OF RETURNS
TIMING IS EVERYTHING. Market volatility maypose major challenges when withdrawingmoney from retirement assets. Withdrawalsduring market downturns in retirementcould create a domino effect with no time torecoup those losses.

Inflation
SAME MONEY, LESS POWER. Over time, your ability to maintain purchasing power can be impacted by increases in the cost of goods and services. As a result, your retirement income may need to increase each year to maintain your standard of living.
WITHDRAWAL RATE
MAKING MONEY LAST. When you take money out of your savings for retirement, you want to be sure you aren’t emptying your tank too quickly. Aggressive withdrawal rates can compromise your retirement assets' ability to generate retirement income throughout your retirement.

LONGEVITY
LONGER LIFE, BIGGER RISK What if you live longer than planned? This could result in greater than anticipated retirement income needs. Longevity is the "risk multiplier" for other retirement income risks.
Taxation
PAY NOW OR PAY LATER. With the national debtrapidly rising, tax rates and rules couldchange at any point. Diversifying yourretirement savings into different tax vehiclescan limit your exposure to these changes.

healthcare
EXPECT THE UNEXPECTED. Healthcare costs are one journey in the direction you want to go. of the largest expenses in retirement. These unpredictable costs can catch you off guard and derail your retirement with expenses thatcan affect your financial well- being.
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(734) 480-0298
kevincarey@sigmarep.com
6261 Cherrywood DR, Ypsilanti MI 48197
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Securities offered through Sigma Financial Corporation * Member FINRA/SIPC. Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor. Pathway Financial Strategies is independent of Sigma Financial Corporation and SPC. Form CRS
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