4035 Hollywood Road
St. Joseph, MI 49085


Local: (269) 983-5400,Toll-Free: (855) 273-2580


(269) 985-4020


1 ) Retirement may occur sooner than you think.

The  typical (median) American retired at age 62, with current workers planning to retire at the age of 67.  However 60% of current retirees stopped working sooner than they had planned.  Of those, 27% retired due to “organizational changes at my workplace,” 27% due to illness, and 26% due to job loss.1


2) You could spend close to 1/3 of your life in retirement (and needing income).

The Society of Actuaries estimates that one spouse in a couple age 65 has a 50% chance of living to at least 90.2 But a lengthy retirement can deplete assets. An appropriate investment program must be designed to help provide for retirement income needs over long periods and through market cycles.


3) Your living expenses and income needs may not change once retired. 

Though living expenses generally decline in retirement, the drop-off can be gradual and often begin to rise as health care increases.  According to the Insured Retirement Institute: For the remainder of their lifetimes, a healthy 65-year-old man and woman can expect health care expenses (including premiums) to top $369,000 and $417,000 respectively.3

1 TransAmerica Center for Retirement Studies
2 Society of Actuaries RP-2000 table
3 Insured Retirement Institute




Make Smart Money Decisions

Spend less than you earn.

Save (and invest) some of each paycheck.  Pay yourself first!

Understand taxes and how they affect your income.

Stick with conservative investments - you've worked too hard for your money to take unnecessary risks.

Seek professional investment advice.

Pursue not just a comfortable retirement, but Financial Independence.






That's a great milestone you've passed. 

So how's it going? 

Are you comfortable with your income, investments, and performance? 

Are you receiving quality advice and personal attention? 

Do you think you could benefit from a second opinion—a portfolio review with a fresh set of eyes?





How will you receive a paycheck after retirement?

Your need for steady income doesn't end just because your working days have.   After years of filling the savings reservoir, there comes a time to turn on the faucet and start collecting a living off your money. 

It's about cash flow.  What types of investments will provide the cash flow necessary to continue the lifestyle you've come to enjoy? 

Despite a continually low interest rate environment, we believe there are still quality investments that can provide a stream of income to help fund your goals. 

Let us know if you'd like to talk more about cash flow strategies.



Stifel does not provide legal or tax advice.  You should consult with your legal or tax advisor regarding your particular situation. 


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Check the background of this financial professional on FINRA's BrokerCheck