The All-Weather Retirement Portfolio

Your post-retirement investment guide to a worry-free income for life

The All-Weather Retirement Portfolio

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Imagine how you’d feel if you could sail through your retirement years, confident you’d done all you could to have a worry-free income for life, regardless of the economic storms ahead. In The All Weather Retirement Portfolio, financial expert Randy L. Thurman shares how you can do just that. With Mr. Thurman’s strategies, you’ll be prepared for any bouts of stormy weather that come your way, knowing your income will remain steady for the rest of your life.

You can have it all—not just more income to spend in your retirement years, but also the peace of mind that comes from knowing that, no matter what happens in the outside world, you’ve done all you can do to have a worry-free income for life.

In This Book You’ll Find:

  • 9 steps to build a portfolio that will survive the Perfect Financial Storm, so you can stop worrying about the economy, the latest financial catastrophe, or what the market did today
  • 2 questions you must answer before you invest another dime
  • Why investing after you retire is radically different from investing while you’re still working
  • The life expectancy of 6 key types of investments—and what you can do to make them last as long as you do
  • The 10 essential questions you must ask a financial advisor—before you hire one
  • The exact amount of money you can withdraw without worry or guilt, knowing you’ve applied the best available research to ensure you’ll never run out of money

Is This Book For You?

If you’re already retired, or if you’re preparing to retire within the next few years, The All-Weather Retirement Portfolio is for you. If you’d like to begin enjoying that extra income stream a few years before your retirement, The All-Weather Retirement Portfolio will help you do that, too.

If You’re Already Retired

If you’re already retired, you might feel like investing is one huge gamble. You may feel you should protect your principle no matter what, especially since you don’t really know how many years you’ll need the income it provides. Consequently, you might feel safest investing primarily in certificates of deposits, money markets, or government bonds. These types of investments do offer a guarantee of principal (if you hold on to them until they mature). Unfortunately, the dollars you invest in them don’t hold their purchasing power. And if you live as long as we all hope you’ll live, this is a formula for disaster. In the pages that follow The All-Weather Retirement Portfolio will show you exactly how these investments have fared in the past, when the financial environment was excellent for vehicles like this—and I’ll compare their performance to that of other types of investments available to you. The All-Weather Retirement Portfolio will also explore how much you can take out each year if you diversify your investments, and still have a worry-free income for life.

If You Expect To Retire Within The Next Five Years

If you expect to retire within the next five years or so, you have a lot of planning to do. I’m sure you’ve been trying to get a sense of how much income you’ll be able to draw from your investments. You’re excited about the prospect of enjoying your retirement, and don’t want to feel guilty about spending money that needs to last for the rest of your life. You’re also probably aware that your investment strategy will change once you stop putting money into your retirement fund and start taking money out…but you’ve struggled to find solid information about what that new strategy should look like. You want to know you’ll be able to get a reasonable rate of return without taking unnecessary risks—especially now that you no longer have time to recoup any losses. How do you strike the right balance between being prudent and enjoying yourself? Do you have enough money to retire when you planned to? If not, when can you retire without worrying about the future? The All-Weather Retirement Portfolio book answers all those questions, with hard data and sound research to give you confidence that the investment strategy it offers will keep you safe in the worst financial storm you’re likely to see in your lifetime. The All-Weather Retirement Portfolio also explains exactly how much money you can take out, and still feel confident you’ll have a worry-free income for as long as you need it.

If You’re 60 Years Of Age Or Older And Still Working

If you’re 60 years of age or older and still working, but you’d like to tap into your retirement fund now without jeopardizing your ability to retire at some point in the not-too-distant future, The All-Weather Retirement Portfolio outlines an investment strategy that will protect your fund while you take money out, help you make a sound decision about how much you can take, and still have an income to last a lifetime.

Reviews

“Thurman takes a subject that is often misunderstood, and pro-vides you the reasons, the methods, and an understanding of what you can expect to achieve, so you can invest with confidence.” —Jimmy J. Williams, CFP®, CPA/PFS, CEO/President of Compass Capital Management, LLC

“A must for anyone thinking of retiring or recently retired!” —Stan Toler, bestselling author of The Secret Blend

“Randy shares his personal history and divides his book of advice into four parts – Preparing to set sail into all kinds of weather, The longitude and latitude of investing after you retire, Designing your all-weather retirement portfolio. and Ready to set sail (with an advisor you can trust, etc). Solid, well written very accessible book, this, and finally a reliable guide to surviving in what we all fear to be the ‘winter of our discontent’: Randy makes the sailing into good weather of retirement available!” —San Francisco Review of Books

Randy Thurman, CFP®, CPA/PFS

Randy L. Thurman is a Certified Public Accountant, Certified Financial Planner® and Personal Financial Specialist. He has been in the business of asset management and retirement planning since 1986. As of December 2014, his fee-only firm, Retirement Investment Advisors, has over 700 million under management.Randy holds four degrees including an MBA from Oklahoma State University, taught Fundamentals of Investing at Oklahoma City Community College for eleven years and has conducted numerous money management seminars for adult education at various locations across the Oklahoma City metro.

As a result of his many years of dedication and commitment to excellence, Randy is frequently lauded as one of the nation’s most trusted investment advisors. He has been included six times on Worth magazine’s annual list of Top Financial Advisers in the country, four times on Medical Economics’ list of Best Financial Advisers, and three times on the Best of the U.S. list of Best Financial Advisors in the country. In 2012 he was the recipient of the Oklahoma Society of CPAs award for Outstanding CPA in Financial Planning.…