Posted on Wednesday, May 7, 2025
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by RoseMark Advisors
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0 Comments
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Retirement should be a season of peace, purpose, and financial freedom. But for many Americans, one fear overshadows it all: Will I run out of money?
With longer life expectancies and rising living costs, financial stability in retirement isn’t just important—it’s essential. The good news? You don’t have to face it alone. At RoseMark Advisors, we help AMAC members create reliable, resilient retirement income strategies—so you can live with confidence.
Here are five major warning signs that your retirement nest egg may be at risk—and what you can do right now to turn things around.
1. You Haven’t Accounted for Inflation
The danger: What covers your expenses today may fall short in 10 or 20 years. Inflation erodes your purchasing power, leaving many retirees struggling to maintain their lifestyle.
How we help: We build inflation-aware financial plans with smart, growth-focused strategies to help your savings keep pace with rising costs—so your money lasts as long as you do.
2. You’re Relying Too Much on Social Security
The danger: Social Security was never meant to be your sole income. And with future benefit reductions possible, depending too heavily on it puts your retirement at risk.
How we help: We craft predictable, private income plans that reduce your dependence on government benefits—giving you control over your financial future, no matter what happens in Washington.
3. You’re Spending Too Much, Too Soon
The danger: It’s easy to overspend in the early years of retirement. But if withdrawals outpace growth, you may face serious shortfalls later.
How we help: We create sustainable withdrawal strategies tailored to your lifestyle, goals, and risk tolerance—so you can enjoy retirement without fear of outliving your money.
4. You Haven’t Planned for Healthcare Costs
The danger: A health crisis or long-term care need can drain retirement savings fast—and Medicare doesn’t cover everything.
How we help: We prepare for future healthcare costs with tax-smart planning and risk mitigation strategies—so your care doesn’t come at the cost of your legacy.
5. You’re Not Working with a Coordinated Financial Team
The danger: Disconnected decisions—on taxes, investments, or Social Security—can lead to costly mistakes and missed opportunities.
How we help: As AMAC’s trusted partner, RoseMark Advisors offers comprehensive, faith-aligned financial planning, including:
- Income Tax Engineering – Keep more of your retirement dollars
- Cash Flow Optimization – Align your lifestyle with lasting income
- Benefits Analysis – Maximize Social Security, pensions, and more
Confidence in Retirement Starts with the Right Plan
Retirement is about more than money—it’s about freedom, faith, and family. Don’t let uncertainty rob you of what you’ve worked for. Let our team help you take back control with a retirement plan built to last.
Get a second opinion—at no cost.
Call 1-888-407-8193 to speak with one of AMAC’s expert financial advisors today or [click here] to schedule your personalized consultation.
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