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When planning for retirement, what you save is based on your perceived expenses.
What you need to determine are your current spending habits.
In this episode, Peter Gutekunst discusses the driving force behind decision making, how spending impacts retirement planning and the unique expenses to plan for during retirement. Peter shares his advice to clients, providing information on planning retirement and how retirees often spend and save during retirement.
Peter discusses:
- Why reviewing your spending habits is a necessity when planning your retirement
- What level of risk retirees consider when investing
- How retirees invest based on withdrawal rates
- The extraordinary expenses to plan for during retirement
- And more
Resources:
Connect with Pete Gutekunst:
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The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Gute Financial Services and Peter Gutekunst and not necessarily those of Raymond James.
Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor’s results will vary. Rebalancing a non-retirement account could be a taxable event that may increase your tax liability. There is no assurance that any strategy will ultimately be successful or profitable nor protect against a loss. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market. Neither Raymond James Financial Services nor any Raymond James Financial Advisor renders advice on tax issues, these matters should be discussed with the appropriate professional.