Robert Warner

Recent market volatility provides a vivid reminder that markets rarely go up or down steadily. And when markets trend down at a time when...

You've reached your goal: after years of flying, you are ready to retire. Your retirement party is looming, friends and colleagues are wishing you well. And then the uncertainty hits you. You're off the payroll.

Creating a retirement plan is like mountain climbing. The goal is not only to reach the summit, but to get back down safely. In fact, more accidents occur during the descent. This is also true for retirement planning. Most people focus on building their account balance. They lose sight of the real goal: creating a retirement income stream.