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    Comprehensive analysis is key to plentiful retirement


    Finally, there are ways to purchase future lifetime-income streams to meet fixed recurrent expenses, and hedging strategies to protect the downside risk even if it means giving up something on the upside. Learning about these tools can help physicians plan better.

    Cash flow should be established so that it is automatic and delivered the same a paycheck. This should eliminate stress and offer a sense of comfort. Remember, cash flow must increase to keep up with inflation or lifestyle will slowly diminish.

    Once a retirement plan is established and running, it should be retested and monitored so current and future cash flow remains within the boundaries of what is considered an acceptable probability of success.

    With this type of planning, the guesswork and fear is taken out of retirement. One’s finances can feel they are on auto pilot, leaving physicians to concentrate on how to enjoy their new profession­–retirement!


    John J., John S, and Traudy F. Grande, CFPs, are the editors of the Money Matters column. They are owners and principals of Grande Financial Services Inc., Oakhurst, NJ, (www.grandefs.com) and registered principals of Wells Fargo & Co., member of SIPC. The Grandes advise doctors across the country on a diverse range of investment and financial matters. Readers may submit their financial questions to them at [email protected] or call 800/722-1258.

    The views expressed in the Money Matters column are the views of Grande Financial Services, and should not be considered as investment advice. Grande Financial Services does not provide tax or legal advice. All information is believed to be from reliable sources; however, Grande Financial Services make no representation as to its completeness or accuracy. Past performance does not guarantee future results. Investing involves risk including the potential loss of principal.

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