The Five
Biggest Fears of Retirement

Do you worry
about retirement?
Zynergy has identified the five greatest fears of retirees and teaches you how to avoid them!

1. What if I run out of money?
Zynergy advisors can show you how to protect and safely grow your assets over time. Properly allocating your money and developing a customized withdrawal strategy can just about guarantee that your money will last as long as you do.

Zynergy also adds safety nets into all plans. We make sure that if the economy or your investments perform worse than expected, you can continue to live a comfortable life. Your safety nets make up any shortfall.

2. How will I be able to pay for health care?
Through proper planning strategies, we will show you how to implement and pay for your health-care costs in retirement. We know that this is one of the greatest fears that retirees face. You should be traveling the world and spending time with loved ones, not worrying about increasing health-care costs.

3. How can I account for inflation?
It is a fact of life that costs go up every year. In 1978, a gallon of gas cost 62 cents. Today, expect to pay $3 for that same gallon. If you retired at age 55 in 1978, you would be 85 in 2008. What if you did not account for inflation in your portfolio? How would you pay for gas or your property taxes? Would you be able to put food on the table? Zynergy will show you the importance of accounting for inflation and how to structure your portfolio so inflation is not a concern.

4. What if the stock market falls?
Zynergy clients generally are not concerned with market volatility. Although everyone has some stock market exposure, we make sure our clients understand what the stock market is and what it isn't. We show them how it can work for them. Stocks tend to fluctuate, but when used appropriately, this works in our clients' favor.

5. What if I take Social Security at the wrong time?
This is perhaps the biggest retirement mistake most people make. Although most people are entitled to some form of Social Security benefit, many don't plan the best time to begin collecting benefits. The adage "take the money and run" often locks retirees into a low benefit for a long period of time.

Zynergy clients work with their advisor to strategically figure out the best time to begin collecting Social Security. In many cases, it's best to do so early in retirement, but often it is not. We can prevent you from making an irreversible mistake.