Frederick Orentlich – Founder and President of Senior Financial Services Inc

At Senior Financial Services we don’t take shortcuts. Hard work and research are hallmarks of our practice. For help with your retirement planning needs, contact Fred Orentlich of Senior Financial Services at 800-679-2858   What Market Experts Say About Stock Market Drops — and What It Means for Retirement Income Planning Many investment and retirement income experts agree on a simple truth: market downturns are inevitable — but income disruptions don’t have to be. This is where annuities and income layering become planning tools rather than investment products. Expert View #1: Market Drops Are Unpredictable What experts say: No one can reliably time or forecast market downturns. Income planning implication: Retirement income plans should not depend on predicting markets. Instead, they should be designed to function through any market environment. How annuities help: Guaranteed income annuities provide cash flow that continues regardless of market condi...

At Senior Financial Services we don’t take shortcuts. Hard work and research are hallmarks of our practice. For help with your retirement planning needs, contact Fred Orentlich of Senior Financial Services at 800-679-2858     What is Sequence-of-Returns (SOR) Risk? Definition: Sequence-of-returns risk is the risk that the order in which investment returns occur will negatively impact the sustainability of retirement savings. It’s different from average return : a portfolio with the same average annual return can last much longer or shorter depending on the sequence of gains and losses. Key point: Early negative returns in retirement can be devastating because you are withdrawing funds at the same time the portfolio is declining . Example Scenario Portfolio Withdrawals Year 1 Return Year-End Balance Bad early market $1,000,000 $5...