Lifetime Income Planning

Latest Summer 2017 Quarterly Newsletter In this issue, David Greene, CFP, reflects on current markets and how to prioritize what will actually impact their growth and stability. Kevin Donovan, CFA, discusses P/E valuations and how they compare in today's market environment. With many children heading back to school, it is important to be aware of possible pitfalls to avoid while utilizing financial aid so read How Assets Impact College Aid Eligibility on FAFSA and CSS Profile. Finally, see what the CJM Team and their families were up to this summer! October 2017 Audio Update Dave, Kevin, Tracey and Tim share their thoughts on the markets so far this year, expectations for the remainder of the year, an update on Congressional bills making their way through Congress and finally some thoughts on protecting your credit given the recent Equifax security breach. Newsletter & Podcast Archive

Noted author William A. Ward once said, "There are four steps to achievement: Plan purposefully. Prepare prayerfully. Proceed positively. Pursue persistently."

When it comes to planning for retirement income, Ward's words of wisdom speak volumes.

The purpose of planning is to not outlive your retirement income so you can live comfortably in retirement. Being prepared means having a tactical plan in place that will ensure you have the income you need in retirement. Being positive is key as you approach retirement. Panicking over short-term market volatility can lead to losing perspective. Our goal is to provide retirement income without having to liquidate volatile assets at an inappropriate time. And finally, being persistent is vital. You know the purpose and have a plan in place. Keeping your sights set on the big picture goal is imperative.

There are four vital aspects of Retirement Income Planning that the professionals of CJM Wealth Advisers, Ltd. will manage for you:

  • Asset Management and Lifetime Income Planning
  • Cash Flow Management
  • Deferred Income Planning
  • Pension Plan Distribution Review