Retirement Planning


We’re changing the strategy of how things are done: with personalized planning for longevity, not just retirement.
We develop projections based on conservative assumptions to help create a realistic path to your goals. By analyzing multiple scenarios, we estimate potential outcomes and help you make informed decisions and then monitor your investments and communicate where you are in meeting your goals on an ongoing basis.

Our Retirement Distribution Strategy goes beyond traditional retirement planning by focusing not only on accumulating wealth, but also on helping clients thoughtfully navigate how assets may be used throughout retirement.
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Retirement Planning


A Smarter, More Confident Path to Retirement

At Destiny Wealth Partners, we know that planning for retirement can feel overwhelming. Concerns about outliving your savings, market volatility, and inflation can cloud your future vision. That’s why we developed our innovative Retirement Distribution Strategy (RDS), a modern and easy-to-understand approach designed to bring clarity, confidence, and control to your retirement years by building a strategy that helps you develop and distribute a regular cash flow throughout your retirement.

Get Your Custom Retirement Income Plan
Personalized Projections, Realistic Results
Built for the Way You Actually Want to Live in Retirement

Your retirement journey is unique. We begin by developing personalized retirement income projections based on conservative assumptions that include your retirement savings, outside savings, and anticipated social security income, to sett you on the path towards your retirement goals. By analyzing multiple scenarios in your retirement, we estimate potential retirement income outcomes to help you make informed decisions about how you wish to save for and live in retirement. Our Team continuously monitors your investments, tax projections, and risk management sources to provide ongoing updates, so you always know where you stand on the road to your goals.


Each year we will have open and honest conversations to help ensure you do not outlive your money. You will know if you are living within your retirement means, or if you can afford to spend more on travel, hobbies, grandchildren philanthropy or other areas of interest or passion.


What Sets Our RDS Apart? Traditional retirement planning often relies on outdated rules. RDS blends the feedback you provide your advisor on your ideal retirement, coupled with our professional knowledge, experience, and statistical analysis to create your personalized Retirement Distribution Strategy. This method is ideal for individuals and families alike, providing a unique strategy to determine the optimal annual retirement cash flow distribution to support your retirement needs.

<br><strong>What Makes Our Retirement Distribution Strategy (RDS) Different?</strong>

As we work with clients to develop a personalized Retirement Distribution Strategy, we help address many of the common priorities individuals and families face when planning for, transitioning into, and navigating retirement.

  • Create sustainable income strategies designed to support essential living expenses throughout retirement.
  • Plan for discretionary income – Travel, new or second home, take-up new hobbies, and interests).
  • Navigate inflation by incorporating strategies to address its long-term impact.
  • Manage the impacts of market volatility and the risk of return sequencing.
  • Optionally, if sufficient assets permit:
    • Plan for college expenses (for grandchildren, etc.)
    • Legacy and wealth transfer planning.
    • Charitable and philanthropic planning.
The Retirement Distribution Planning
The Retirement Pool Strategy: Structure for Every Stage

Once we have confirmed your ideal retirement, calculated the investment return and cashflow needed to fund your ideal retirement, we get to work deploying the investment portion of the RDS process.

Too often, people focus on retirement savings as a single, large pool ready to tap. However, the reality is that even though you’re retired, you still have quite a bit of time to deploy a thoughtful strategy to allow your money to keep growing while also ensuring you have access to retirement Income on day one of your retirement.


Our Retirement Distribution Strategy helps solve this dilemma, using a multi-pool retirement strategy.
This approach divides your assets into three distinct pools; each designed for a specific time horizon during your retirement. Like a fingerprint, no two individuals will have the exact pool or investment allocation, as these are personalized based on feedback you provide your advisor on your ideal retirement, our professional wealth management experience, and statistical analysis to create your personalized Retirement Distribution Strategy.

Fund the First 10 Years of Retirement (Near-term Security)
Provide capital preservation, while generating Income to cover living expenses during the first 10 years of retirement. 
Help create peace of mind by attempting to ensure the nest egg earmarked for the first 10 years of retirement is preserved and ready to generate an income stream during those first 10 years. If the market has a pullback when you’re a year away from retirement, no need to worry as your first 10 years of retirement is a conservative allocation intended to be ready and waiting for you to enter your first year of retirement. 

By focusing on providing clarity and peace of mind regarding the first 10 years of retirement, you’re giving the rest of your portfolio 10+ years to continue to grow and navigate any short-term market corrections.
Fund retirement expenses for years 11-20 of retirement.
Deliver stability and growth with moderate investment allocation to help retirement savings keep pace with inflation, so it’s ready to generate retirement cash flow for you during retirement years 11-20. 
Allows your retirement savings to continue to grow by still exposing your investments toward a diversified stock and bond exposure and benefit from long-term compounding; while also providing enough time to recover should the stock market experience any market downturns and volatility.
Fuels your retirement for 20+ years and replenishes the other pools.
Diversified portfolio that includes growth-oriented assets.
Targets higher returns to outpace inflation and support your long-term goals. Pool 3 has a 20+ year time horizon.

This allows you to continue to invest for growth to fund the last stage of your retirement years. Long-term assets have time to recover from volatility, helping your money last and providing reassurance for the future.
Summary
Peace of Mind, Year After Year

Categorizing different types of assets into separate pools helps provide both clarity and flexibility for retirees and pre-retiree investors. By placing more aggressive assets in the long-term pool (3) and keeping less risky investments in retirement pools (1) and (2), we can weather market fluctuations and continue to grow your retirement savings, even in retirement. Additionally, having the pools designated for specific time horizons increases flexibility, allowing you the option to avoid selling long-term investments during market downturns, as well as time to adjust to changing market conditions.

Liquidity for Near-Term Needs: By allocating Pool One to stable, liquid assets, the strategy seeks to provide liquidity for near-term spending needs while helping clients avoid unnecessary withdrawals from longer-term investments during periods of market volatility.

Supports Longevity: Long-term assets have time to recover from volatility, helping your money last and providing reassurance for the future.

Dynamic Rebalancing: As you spend from the short-term pool, we strategically refill it using income and gains from the other pools—guided by sophisticated software and expert advice, instilling confidence in our strategic approach.

Our Retirement Distribution Strategy helps retirees:

  • Enjoy steady, reliable income throughout retirement
  • Minimize the impact of market swings and inflation
  • Make tax-smart withdrawals
  • Feel confident that your money will last


Let Destiny Wealth Partners guide you to and through retirement with a strategy that’s as unique as you are. Contact us today for a complimentary consultation and discover how our Retirement Distribution Strategy can help you achieve your goals with clarity and confidence.

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Rankings are specific to Destiny Wealth Partners, its affiliated firms, or to Thomas Ruggie, ChFC®, CFP®.  Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Destiny Wealth or Ruggie Wealth Management is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Destiny Wealth or Ruggie Wealth Management by any of its clients. Rankings published by magazines, and others, may base their selections on information prepared and/or submitted by the recognized adviser. Recognition Disclosures 
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