Retirement should be a time of freedom, not fear. Yet when markets turn turbulent, even the most well-prepared investors can start to question whether their retirement goals are still within reach.
At SAGE Private Wealth Group, we understand how unsettling volatility can feel—especially for those approaching or living in retirement. But we also know this: with a thoughtful plan, a long-term perspective, and the right guidance, it’s absolutely possible to retire with confidence, even in uncertain markets.
1. Build a Strategy Around What You Can Control
You can’t control the market. But you can control how you prepare for it. That’s why our team focuses on what matters most—your goals, your timeline, and your risk tolerance—to build a plan that’s resilient across market cycles. That includes:
- A diversified investment approach designed to manage risk
- A sustainable withdrawal strategy tailored to your income needs
- Cash reserves and liquidity planning to avoid selling in down markets
- Regular check-ins and adjustments as your life and markets evolve
Our planning process is built to help you stay focused on what matters most: living your best life with financial peace of mind.
2. Watch for the Sequence of Returns Risk
One of the biggest threats to retirement isn’t just average market performance—it’s the timing of returns, especially in the early years. A few negative years at the beginning of retirement can impact your nest egg more than you might expect. That’s why we often recommend:
- Bucket strategies that match short-, mid-, and long-term income needs with appropriate assets
- Flexible income distributions based on market and personal conditions
- Strategic Social Security planning to optimize guaranteed income
We help you build a retirement income plan that’s designed to weather both good years and tough ones.
3. Avoid the Emotional Traps
When markets dip, the natural impulse is to “do something.” But reacting emotionally often leads to poor timing—getting out of the market after losses and missing the recovery. Our role as advisors is to provide clarity, discipline, and perspective—so you don’t have to make decisions in isolation or uncertainty. We’re here to guide you through the highs and lows, with advice grounded in experience and aligned with your long-term plan.
4. Retirement Is a Beginning, Not an End
Retirement isn’t just about preserving wealth—it’s also about growing it prudently to meet future needs like healthcare, travel, inflation, and legacy goals. At SAGE, we view retirement as a new chapter. And like every chapter, it requires ongoing planning and care. That’s why we continue to monitor, update, and adjust your strategy—not just for the markets, but for your evolving life.
5. Guidance Makes All the Difference
In times of uncertainty, a steady voice and a clear plan can make all the difference. Whether you’re already retired or planning ahead, we’re here to help you:
- Assess how current market conditions affect your retirement income
- Refine your withdrawal and investment strategies
- Maintain confidence through volatilty
At SAGE Private Wealth Group, we combine deep experience with a deeply personal approach. We take the time to understand what matters most to you, and we tailor strategies designed to help you live well—no matter what the market is doing.
