Creating retirement income for the boomer generation

Published: Thursday, September 20, 2012 at 03:10 PM.

Of course, I was looking for securities that enjoyed capital appreciation as well as ones that paid dividends and which increased their dividend payouts over time. They’re out there, but you can’t get them by buying a broad S&P index fund, because you have to take the laggards with the leaders in that “set it and forget” style of investing. 

A more successful strategy requires that you maintain a global perspective, utilize multiple analysis tools, and carefully select securities that are risk appropriate for your clients’ portfolios. And then monitor their performance. And, when certain sectors in the market appear headed for a downturn, you want to get out before the serious slide occurs. For example, that was the case with European developed markets in late 2011. 

There are a variety of risks involved in any type of investing, including political, interest rate and market risk. But for the Baby Boomer generation, these pale in comparison with longevity risk, or the possibility that we will outlive our money.

Being older and broke isn’t on anyone’s wish list.

Margaret R. McDowell, a chartered financial consultant and accredited investment fiduciary, is the founder of Arbor Wealth Management, LLC, (850-608-612,, a fee-only registered investment advisory firm located near Sandestin.  

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