Financial risk doesn’t just mean market volatility. There are many types of risk that can impact your long-term plan, including:

• Longevity risk — outliving your savings
• Inflation risk — losing purchasing power
• Sequence of returns risk — experiencing market losses early in retirement
• Concentration risk — being too heavily invested in one asset or sector

Our planning process includes tools to address all of these risks. Diversification, withdrawal strategies, inflation protection, and cash reserves are just a few examples.

If it’s been a while since we reviewed your plan, let’s reconnect this summer to ensure you’re still on track.

Sincerely,

Katz Family Financial