THE SECOND 30 - 40 YEARS - THE QUESTIONS TO BE ANSWERED

"Will I be OK?"

"Can I retire?"

"When?"

"For 30 - 40 years?"

"Without running out of income?"


WE LEARN HOW TO EARN AN INCOME FOR OUR FIRST 30 - 40 YEARS.

HOW DO YOU PLAN ON PROVIDING A SUSTAINABLE INCOME (NO SHORTFALLS) FOR THE NEXT 30 - 40 YEARS - DURING YOUR RETIREMENT?

We work one 30 - 40 year lifetime for which we were educated and trained. The income we produce is largely our responsibility. If we do what is expected we can control our income.We live a second 30 - 40 year lifetime or more for which we were not trained to fund a sustainable lifetime income throughout a 30 - 40 year retirement period.

We rely on our 'Advisors' who were not trained to fund a sustainable lifetime retirement income.

They were trained to offer products with various rates of return - with no control over the end result. The market controls the end result. Past performance does not assure us that we will remain in control of the results we need.

We can control our own work performance. We can't control our capital accumulation performance. We rely on others - advisors - trusted financial advisors.

To retain control over the end result we give our trust and must back it up through own due diligence - inspect what we expect. There are no 2nd chances.

The financial services industry is institutionally product driven.

Institutions get paid when products are sold.

Advisors get paid when products are sold.

Clients are rewarded with the remaining proceeds.

What the market offers is the best return possible in this paradigm.

It does not offer the best return possible in an alternative paradigm.

The consumer has no shortage of advisors or products.

The key shortage is time.

The solution requires a client centric process - devoid of product centric conflicts of interest - a process driven unbiased client centric regulatory compliant solution - independently of product centric retail financial institutions.

Comprehensively planned, transparent, with minimal market risk, continuously monitored investment bench marked performance with client privacy are at the forefront of our process.

Our focus is the 2nd 30 - 40 years. By that I mean assuring a sustainable retirement income (no shortfalls) throughout this 2nd. lifetime period. It's not happening with the 14,000,000 boomers in Canada now preparing to retire.
They are unlikely to retire as planned or as expected. They simply do not have access to the financial tools necessary.


The investment industry markets the highest returns – we mitigate unnecessary financial risk. The consequence of excess risk was clear after the 2008 financial meltdown.

We put the financial tools available to the investment management institutions directly into the hands of each client so they can answer these questions:

"Will I be OK?"

"Can I retire?"

"When?"

"For 30 - 40 years?"

"Without running out of income?"

30 - 40 retirement years is not a sprint - it's a marathon.

We coach high performance financial 'marathon' skills.
Our focus is on sustainable client financial empowerment.
Our combination of education, coaching and mentoring removes the financial ambiguity based on a lack of financial awareness in the matter of investment solutions designed to provide a 2nd. 30 - 40 year lifetime sustainable income..

The uncertainty associated with our need for a sustainable 30 - 40 year lifetime retirement income is replaced with a rational risk based process.

A risk-based approach to asset allocation is an active style of management that breaks away from the traditional buy, hold and rebalance strategy. It adapts asset mixes to evolving market conditions and rebalances them back to the portfolio’s target risk level.

The result is financial lifestyle defining.

We are financial practitioners.

We understand people, money and financial structure.

There are choices that we can each make.

We can do it ourselves.

We can work with an agent in the retail sector, or

We can work with an independent Professional Financial Planning and Investment Advisor.

There are client centric focused advisors throughout the entire financial services sector. 

The very best reach a conclusion that the only way they can act in an unbiased fiduciary relationship on behalf of their clients is by operating their own independent financial planning or investment management firm. In this role they are paid a fee for their service with no conflicting obligation to sell or recommend any corporate products or services

Here is a summary of the questions to ask your investment advisor:

1 - What is the amount of capital based on a minimum level of investment risk that I can expect to have available for retirement at age 60?

2 - What 'sustainable' income can I expect the above capital to generate between the ages 60 - 95?

'Sustainable' means with no shortfalls in income in any given year.

Ask us.

We will be pleased to show you how to answer these questions.

Check us out at:


http://dzwicker.blogspot.com/

For immediate help call me directly at: 1 - 416-726-2427

Or

email me directly at: Linkedindanzwicker@rogers.com

Dan Zwicker B.Sc. (Hons.) Applied Science (Structural Engineering)  
Queen's University, Kingston Ontario