{"id":14149,"date":"2022-12-20T15:38:55","date_gmt":"2022-12-20T21:38:55","guid":{"rendered":"https:\/\/johnsonwim.com\/?p=14149"},"modified":"2022-12-20T15:45:14","modified_gmt":"2022-12-20T21:45:14","slug":"risk-management-tips-for-the-new-year","status":"publish","type":"post","link":"https:\/\/johnsonwim.com\/risk-management-tips-for-the-new-year","title":{"rendered":"Risk Management Tips for The New Year"},"content":{"rendered":"<p><strong>Understanding the risk factors that can come between you and your ability to retire (both how and when you want) is an important step toward meeting your retirement goals.\u00a0<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">In today&#8217;s environment, Risk Management is more important than ever. If you&#8217;re nearing retirement, increasing your focus on monitoring risks in response to an ever increasing volatile risk environment, you may have questions about who is responsible for developing a risk management strategy and what are the different risk management strategies?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s what you need to know to better address today\u2019s top risk areas.<\/span><\/p>\n<h4><b>First Things First: What is Risk Management?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The term &#8220;risk management&#8221; can be a bit of a buzzword, but it&#8217;s really just a structured approach to addressing risks. Retirees face a slew of risks in their golden years. The most common among them are outliving their savings, high medical bills and unexpected costs, such as major home repairs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Risk management is best understood not as a series of steps, but as a cyclical process in which new and ongoing risks are continually identified, assessed, managed, and monitored. This provides a way to update and review investment planning strategies as new developments occur and then to take steps to help protect your nest egg.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Retirement planning means finding the best way to help protect the life that you\u2019d like to be living after you stop earning income from employment. And Risk Management should be a part of every <a href=\"https:\/\/johnsonwim.com\/services\">retirement income plan<\/a>.<\/span><\/p>\n<h4><b>Types of Risk Tolerance<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Every Iowan has a different level of risk they&#8217;re willing to take when it comes to investing for retirement:<\/span><\/p>\n<ul>\n<li class=\"nw-heading-tiempos-smmd nw-fg-rebrand-vibrant-blue\"><strong>High level of risk tolerance:<\/strong> If you have a high investing risk tolerance, you\u2019re a risk taker or optimist by nature. You may be OK weighting your portfolio with lesser-proven stocks or other investments that could be on the cusp of big gains but could also dip dramatically if certain assumptions about markets and demand don\u2019t pan out.<\/li>\n<li><strong>Moderate level of risk tolerance:<\/strong> If you can tolerate some risk, you may prefer investments that are likely to produce solid gains over time but may also drop somewhat. Many established companies produce those types of results, which track equity markets, such as the S&amp;P 500 or Dow Jones Industrial Average, or an industry\u2019s wider performance (real estate, for example).<\/li>\n<li><strong>Low level of risk tolerance:<\/strong> If you\u2019re uncomfortable with all but the smallest risk, you\u2019ll probably be more comfortable buying into more conservative products, such as blue-chip stocks, consumer goods stocks, utilities and bonds. These types of investments typically generate more moderate gains in share price but are less likely to nosedive.<\/li>\n<\/ul>\n<h4><strong>Understanding Retirement Risk Factors<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">To help increase the likelihood that you\u2019ll have the funds you need when you reach retirement age, keep these five risk factors in mind:<\/span><\/p>\n<ol>\n<li><strong>Risk Factor &#8211; Inflation:<\/strong> Pre-retirees and retirees alike need to take <a href=\"https:\/\/johnsonwim.com\/fixed-income-the-inflation-fighter\">inflation<\/a> into consideration and now is the time to take action to help address these inflation and longevity concerns by planning for multiple scenarios.<\/li>\n<li><strong>Risk Factor &#8211; Market Volatility:<\/strong> Today\u2019s financial markets have become increasingly volatile and complex, which can create uncertainty for older Americans wondering when they\u2019ll be able to retire and how long their retirement assets will last.<\/li>\n<li><strong>Risk Factor &#8211; Longevity:<\/strong> Longevity risk for retirees refers to the possibility that they will live to such an advanced age that they will deplete their retirement savings and have to rely solely on Social Security and Medicare for their expenses.<\/li>\n<li><strong>Risk Factor &#8211; Withdrawal Strategy:<\/strong> A retirement withdrawal strategy can help you determine a safe amount of money to take out of your investment accounts each year. The strategy you choose will dictate how much income you make available for yourself, which in turn affects your quality of life in retirement.<\/li>\n<li><strong>Risk Factor &#8211; Healthcare:<\/strong> Unexpected <a href=\"https:\/\/johnsonwim.com\/healthcare-insurance-for-retirees-in-iowa\">medical bills<\/a> and high out-of-pocket costs can put a major dent in your retirement savings. A couple retiring at 65 years old in 2022 can expect to pay about $315,000 in health care costs on average \u2014 5% higher than estimated the year before \u2014 according to CNBC News.<\/li>\n<\/ol>\n<h4><strong>Start Your Risk Assessment Today<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">As 2022 has taught us, anything is possible. Whether high or low risk, there is risk in every investment. When thinking about how much investment risk you want to take on, you should be practical. Your financial circumstances may justify taking some reasonable chances or ratcheting down your risk profile.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Risk tolerance is a highly individual matter. You should consider working with a<a href=\"https:\/\/johnsonwim.com\/our-team\"> knowledgeable local financial professional <\/a>who can help you further shape your <a href=\"https:\/\/johnsonwim.com\/services\">risk philosophy<\/a> and suggest investments that fit within it. At Johnson Wealth &amp; Income Management, we cover retirement risks and strategies to help ensure a smooth road to retirement. We provide investment advisory and consulting services and monitor our clients\u2019 risk exposures continuously. With decades of experience and a proven process, you can count on our Fiduciary professionals to help ensure you\u2019re making the right moves with your money.<\/span><\/p>\n<h4><b>Final Thoughts<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Those who learn to control, manage, and mitigate risk stand the best chance of retirement success.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Johnson Wealth and Income Management, we will sit down with you to craft a plan that will help ensure the reduction of risk in future retirement planning and investing opportunities.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Looking to get started on your risk management plan for 2023? <\/span><a href=\"https:\/\/johnsonwim.com\/contact\"><span style=\"font-weight: 400;\">Contact us today.<\/span><\/a><\/p>\n<hr class=\"wp-block-separator\" \/>\n<p>All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Johnson Wealth &amp; Income Management and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or help protect against loss in declining markets. All information and ideas should be discussed in detail with your individual advisor prior to implementation. The presence of this website, and the material contained within, shall in no way be construed or interpreted as a solicitation or recommendation for the purchase or sale of any security or investment strategy. In addition, the presence of this website should not be interpreted as a solicitation for Investment Advisory Services to any residents of states where otherwise legally permitted to conduct business. Fee-based financial planning and Investment Advisory Services are offered by Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm. Johnson Wealth &amp; Income Management and Sound Income Strategies LLC are not associated entities. Johnson Wealth &amp; Income Management is a franchisee of the Retirement Income Store. The Retirement Income Store and Sound Income Strategies LLC are associated entities. \u00a9 2021 Sound Income Strategies.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Understanding the risk factors that can come between you and your ability to retire (both how and when you want) is an important step toward meeting your retirement goals.\u00a0 In today&#8217;s environment, Risk Management is more important than ever. If you&#8217;re nearing retirement, increasing your focus on monitoring risks in response to an ever increasing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14153,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[37],"tags":[147,151,225,82,73,279,127,278],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Risk Management Tips for The New Year<\/title>\n<meta name=\"description\" content=\"Understanding the risk factors that can come between you and your ability to retire (both how and when you want) is an important step toward meeting your retirement goals.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/johnsonwim.com\/risk-management-tips-for-the-new-year\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Risk Management Tips for The New Year\" \/>\n<meta property=\"og:description\" content=\"Understanding the risk factors that can come between you and your ability to retire (both how and when you want) is an important step toward meeting your retirement goals.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/johnsonwim.com\/risk-management-tips-for-the-new-year\" \/>\n<meta property=\"og:site_name\" content=\"Johnson Wealth and Income Management\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-20T21:38:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-20T21:45:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2022\/12\/Iowa-Financial-Planning-Services-1024x576.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Johnson Wealth &amp; 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