A booklet for the people already on my list
Six risks that rarely show up on an account statement
A statement shows one number: the balance. It says very little about how long that money can pay for the life you want, or in what order it gets used.
I wrote The Hidden Risks in Your Retirement Planning to walk through the six risks that tend to stay off the page. Each one comes with a hypothetical example, and the booklet includes a 10-question Retirement Reality Check you can answer on your own.
Confirm your details in the form below, and the booklet arrives in your inbox within a few minutes.
Retirement account statement
Illustration only- Taxes
Traditional IRA and 401(k) withdrawals are generally taxed as ordinary income. RMDs, IRMAA surcharges on Medicare premiums, and the change to single filing after a spouse passes can each raise the bill, sometimes within a few years of one another.
Not on the statement - Market downside
In the working years a decline is something to wait out. Once withdrawals begin, shares sold during a downturn are no longer there for the recovery.
Not on the statement - Sequence of returns
Two people can start with the same balance, take the same withdrawals, and earn the same average return, yet end in very different places. The order of the good and bad years can matter as much as the average.
Not on the statement - Inflation
At a hypothetical 3% a year, what costs $1.00 today costs about $1.81 in 20 years. Income that feels comfortable at 67 may not stretch the same way at 85.
Not on the statement - Interest rates and renewals
CDs, Treasuries, and money market accounts can protect principal, but they renew at whatever rate is available the day they mature. The balance can stay the same while the income falls.
Not on the statement - Longevity
A longer retirement means more market cycles, more inflation, more rate resets, and more years of taxes. A plan built to last 20 years may need to last 30.
Not on the statement
None of these is a reason for alarm. They are questions worth asking while there is still room to choose.
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If we’ve been in touch before, the form also asks for your permission again to follow up by call and text, including automated and AI-voice calls. The way I follow up has changed, and I’d rather ask than assume. You can opt out at any time.
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If you’d rather talk than read
A Retirement Risk Review is a 30-minute Zoom conversation. We’ll look at how your income sources, your tax picture, and your plan may respond to each of the six risks, so you leave knowing where the plan looks strong and where it may deserve a closer look.
- Nothing is sold in this conversation.
- Your spouse is welcome to join.
- If an insurance product doesn’t belong in your plan, I’ll tell you plainly.
Or text me directly at 908-738-9836.
Dora Wysocki, CAS®
Protection-Focused Retirement Income Professional
Tax-Advantaged Retirement Strategies · DW Financial Group
I work with pre-retirees and retirees on the order their income and tax decisions happen in. My part is to lay those decisions out in plain English and coordinate with your own advisor and tax professional, so any choice you make is an informed one.
Whether or not we ever work together, I’d rather you leave a conversation with more clarity than you came in with.