Investing For Income in Melbourne, FL

Research consistently shows that the No. 1 fear of older Americans is that they will run out of money before they die. Why? Because it happens, and it happens because most Americans still don’t know how to properly prepare financially for retirement. It isn’t really their fault, though, because most financial advisors continue to push the idea that you need to save a huge amount of money and then create a withdrawal plan to generate retirement income. That’s wrong. Withdrawal plans are flawed because their success depends on market growth, which is a huge unknown. The market may grow most years, but it may also shrink, which means you won’t be withdrawing from gains in those years, you’ll be spending down your principal. The more you do that, the more you run the risk of facing your biggest fear: running out of money.

But there is a safer, better option: Invest for income instead of growth. Although most investors have been led to believe “growth” and “return” mean the same thing, it isn’t true. Total return is really a sum of two things: income and growth, as shown in the formula: TR=I+G. While growth is measured in capital appreciation, income is generated through interest and dividends.

And, in our experience, the only truly “safe” way to ensure you won’t outlive your money is to have a strategy that generates reliable income through interest and dividends. Why? Because:

  • When you live off your interest and dividends, you’re not spending any principal, so you don’t have to worry about whether the market grows or shrinks.
  • You have the potential to keep growing your money more safely through strategic reinvestment.
  • It makes your retirement income a “renewable resource”.

At Arbor Financial Services of Florida, we specialize in helping you eliminate your fears by showing you how to prepare for retirement The Right Way! In partnership with Sound Income Strategies, we have the expertise, experience, and resources to help you design a customized, diversified, actively managed portfolio of interest and dividend-generating instruments suited to your individual goals, needs, and risk tolerance.

Contact our office today and let us help you get started toward enjoying the kind of financially secure, worry-free retirement you deserve!

Arbor Financial Services of Florida is a full-service financial firm dedicated to helping those in the Melbourne, FL area meet their long-term financial goals. Our team of financial advisors and wealth managers are experienced in helping clients preserve their savings, so they can use it as a source of steady income in retirement.

All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Arbor Financial Services,  and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or help protect against loss in declining markets. All information and ideas should be discussed in detail with your individual advisor prior to implementation. The presence of this website, and the material contained within, shall in no way be construed or interpreted as a solicitation or recommendation for the purchase or sale of any security or investment strategy. In addition, the presence of this website should not be interpreted as a solicitation for Investment Advisory Services to any residents of states where otherwise legally permitted to conduct business. Fee-based financial planning and Investment Advisory Services are offered by Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm. Arbor Financial Services and Sound Income Strategies  are not associated entities. Arbor Financial Services is a franchisee of Retirement Income Source. Retirement Income Source and Sound Income Strategies are associated entities. © 2023 Arbor Financial Services

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