Bernadette Strout

Background

About Bernadette Strout

The old commercial told retirees they needed to know “their number”; presumably how much they needed to accumulate for retirement. The number you really need to know is how much income do you need and for how long will you need it. One of the major risks retirees face are the 🧾tax consequences associated with drawing down from “their number”. Other risks all retirees face: Longevity – Longevity is a risk multiplier. Our retirement plans must account for an increase in life expectancy. Furthermore, the longer we live increases the likelihood that we fall prey to the other retirement risks; such as market risk and inflation risk. Inflation – Even periods of low inflation rates present a steady erosion of your purchasing power in retirement. Any sound retirement income plan must account for inflation and provide an increasing stream of income. Sequence of Returns Risk – Market losses early in your retirement years present a risk to your income from which you may not recover. Proper planning mitigates that risk. Five vital retirement strategies that I help my clients successfully navigate: Guaranteed income streams they cannot out live. Inflation protection on that stream of income. Strategies to minimize tax liabilities Planning for both discretionary and non-discretionary retirement spending. Ensuring plans are in place to take care of loved ones. As a CERTIFIED FINANCIAL PLANNER™ and CERTIFIED WEALTH STRATEGIST®, I have both a fiduciary obligation and the educational experience to provide the best possible solutions to my clients. If you are making the important decisions surrounding your retirement, let’s talk. Whether or not you are currently working with an advisor, I am confident our conversation will offer you valuable insights into the potential risks you may face. You can reach me directly at or email bstrout@manhattanridge.com.