Risk Management

Helping retirees protect their savings

Minimize the impact of market swings, inflation, and other uncertainties with a retirement plan built to handle the unexpected.

Managing Retirement Risks With Confidence

Creating balanced strategies for retirees

Planning for retirement is not just about growing assets—it’s also about protecting them from risks that can derail your future. At Iron Point Retirement Solutions, we help retirees identify and reduce exposure to threats like market volatility, inflation, and health-related expenses. We also address sequence of returns risk, where market declines early in retirement can have long-lasting effects on your income. Our approach combines safe-money strategies with comprehensive planning to give you a retirement plan that prioritizes security and sustainability. By managing risk proactively, we help you create a smoother path to maintaining your income and lifestyle throughout retirement.

Key Areas of Retirement Risk Planning

Identifying and addressing financial threats early

Market Volatility Protection

Sudden market swings can quickly erode retirement savings, especially during the early years of income withdrawals. We de

Sequence of Returns Risk

Experiencing a market downturn early in retirement can have a lasting impact on your income. We implement withdrawal strategies and create income buffers to help reduce this risk and maintain stability.

Inflation and Rising Costs

Inflation can silently eat away at your purchasing power over decades in retirement. Our plans incorporate assets and income sources designed to keep pace with rising costs while preserving long-term stability.

Longevity and Outliving Assets

With many retirees living well into their 80s and 90s, running out of money is a major concern. We build plans that include guaranteed income streams and strategies designed to last throughout your lifetime.

Healthcare and Long-Term Care Expenses

Unexpected medical costs can significantly impact retirement savings. We help plan for Medicare, supplemental coverage, and long-term care strategies to reduce the financial burden of health events.

Why Managing Risk Strengthens Your Retirement

Building a plan that adapts to uncertainty

Protects Income and Lifestyle

A well-structured risk plan helps maintain steady income and quality of life through market changes and unexpected expenses.

Balances Growth and Security

We create a mix of strategies that allow for continued growth while protecting essential retirement income.

Provides Peace of Mind

Knowing risks are addressed helps you enjoy retirement without constantly worrying about market downturns or unforeseen costs.

Common Questions About Retirement Risk Management

Helping retirees feel more secure

  • How can I protect my retirement savings from market crashes?

    The key is building a diversified strategy that balances growth with principal protection. Using safe-money tools like fixed annuities or cash-value life insurance alongside traditional investments can create a buffer during market downturns. We also recommend setting aside an income reserve to cover expenses without selling assets during market declines. This layered approach helps keep your retirement plan on track regardless of market conditions.

  • What is sequence of returns risk and why does it matter?

    Sequence of returns risk occurs when a market decline early in retirement combines with withdrawals, making it harder for a portfolio to recover. Even with average long-term returns, poor timing can significantly reduce income longevity. We address this by designing withdrawal strategies and income buffers to minimize the impact of early losses. Managing this risk is crucial to creating a sustainable retirement income plan.

  • What are safe investment strategies for retirees?

    Safe strategies often include fixed or indexed annuities, cash-value life insurance, and conservative bond allocations to protect principal and provide guaranteed income. These tools can work alongside growth-oriented assets to create a balanced approach. We tailor recommendations to each client’s risk tolerance and goals while considering Iowa’s favorable retirement tax environment.

  • Should I still keep stocks in retirement?

    Yes, most retirees benefit from keeping some exposure to equities to offset inflation over a long retirement. The key is adjusting allocation to match your risk tolerance and income needs while reducing potential volatility. We help determine the right balance between growth and security to keep your plan resilient and adaptable.

  • How do you determine my risk tolerance?

    We use detailed assessments and conversations to understand both your emotional comfort with risk and your financial capacity to handle it. This includes evaluating your income needs, time horizon, and overall retirement goals. By aligning your portfolio’s risk level with your comfort and objectives, we create a plan you can stick with through market cycles.