Retirement income planning
Navigate with confidence, not guesswork.
You've spent decades building your retirement savings. Now comes the hardest part: actually spending it.
Most retirement plans rely on outdated maps and rigid rules that leave you lying awake at night wondering: "How much can I actually spend?" and "What if the market crashes right after I retire?"
It's why so many retirees abandon their plan when markets get scary or hoard their savings out of fear of the unknown.
You deserve better than guesswork.
Our Retirement Income Guardrails approach works differently. Like a GPS that reroutes around traffic jams and construction zones, our Guardrails system provides clear signals for when adjustments might be needed in advance, keeping you on track to your end destination.
The result? You'll understand how much you can confidently spend today, when adjustments might be needed tomorrow, and finally experience the freedom that a lifetime of savings was meant to provide.
What makes us different?
Retirement Income Guardrails Framework
Hybrid Risk-Aware Investing
This balanced investment strategy combines conventional buy-and-hold approaches with trend-following components, providing both growth potential and risk management tailored specifically for retirement.
Monthly Monitoring
We continuously evaluate your portfolio and income needs, ensuring you stay within your personalized guardrails - giving you permission to spend confidently while knowing exactly when adjustments might be needed.
.webp)
Why Retirement Income Guardrails? Because the journey only starts once you leave the driveway.
After decades of saving, most retirees face two risks: running out of money or, more commonly, living too cautiously and missing the experiences they worked so hard to enjoy.
Traditional approaches offer false comfort. The "4% rule" is like a paper map from the 1990s - outdated and inflexible. "Probability of success" models give you odds but no guidance when conditions change, leaving you to make emotional decisions during rough markets.
Our Retirement Income Guardrails approach transforms this experience. Like a modern GPS that adapts to changing conditions, it provides:
1) Clear withdrawal parameters based on your unique situation.
2) Predetermined adjustment triggers that remove guesswork during market downturns.
3) Monthly monitoring that identifies potential issues before they become problems.
Most importantly, this system gives you permission to spend money and enjoy the journey you worked so hard for.
The ultimate freedom isn't just financial security, it's the confidence to use your resources without constant worry.
In our view, the greatest risk in retirement isn't just running out of money, it's looking back with regret at all the memories and experiences you could have made, but didn't.
This approach is designed for people who ask themselves...
Am I actually ready to retire?
You've been saving diligently for decades, but you're not sure if you can afford to make the leap from a company paycheck to a retirement paycheck. You need clarity on whether your nest egg is truly sufficient and how much you can safely spend without running out of money during your lifetime..
Recent retirees
The early years of retirement are when you're most vulnerable to "sequence of returns risk" similar to encountering bad traffic at the start of a long drive. Our approach helps navigate these critical years with additional protection against market downturns when your portfolio is at its largest.
Established retirees seeking greater clarity
If you've been retired for years but still feel uncertain about how much you can safely spend, our Guardrails system can replace uncertainty with clarity. You may discover you've been driving well below the speed limit of what your retirement savings can actually support.
Couples with different risk tolerances
When spouses have different comfort levels with financial risk—one wanting to take the scenic route while the other prefers the highway—our Guardrails framework provides objective parameters that both partners can understand and agree upon, turning potentially emotional decisions into structured, predetermined adjustments.
Those concerned about market volatility
How we approach retirement income planning.
Talk
We start by understanding your complete financial picture and what a meaningful retirement looks like to you. These conversations help us establish personalized guardrails that align with your best life in retirement.
Design
Using our Guardrails framework, we create a retirement income strategy that includes clear upper and lower thresholds, monthly monitoring protocols, and predetermined adjustment triggers that remove guesswork from retirement spending decisions.
Stress Test
We put your plan through rigorous testing against historical worst-case scenarios: the Great Depression, stagflation era, and 2008 financial crisis. We'll show you how your income would have performed even in extreme market conditions.
Monitor
Once implemented, we continuously monitor your portfolio and income levels, alerting you only when predetermined thresholds are approached. This gives you the freedom to enjoy retirement without constantly worrying about market movements or withdrawal rates.
Investment advisory services provided through Christensen Group Financial, LLC, a registered investment adviser with the SEC and a wholly owned subsidiary of Christensen Group Inc.
Speak with an individual retirement solutions expert.
Talk with us today%20(1).webp)