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Retirement Income Survival Kit (R.I.S.K.) | Sterling Financial Partners

Retirement Income Survival Kit (R.I.S.K.)

Retirement Income Survival Kit (R.I.S.K.)


Climbing to the top of a mountain is considered by many to be one of life’s greatest achievements. However, the real goal of climbing is not simply to reach the top, but to reach the top and return safely. Considering that 80% of climbing accidents occur on the descent, it is this second half of the journey that presents the greatest risk…and requires the most planning.

Learn about why this happens in Retirement Planning in this video below:



For years, people have focused intensely on accumulating enough assets (“climbing to the top of the mountain”). However, the biggest risks facing retirees occur during the income distribution phase – when we retire and begin to live on our retirement savings (“climbing back down the mountain”).

As we begin this second half of our journey, we are faced with unique and potentially devastating risks such as the market, sequence of return, inflation, liquidity, longevity, taxation, health and legacy risks. Just like climbing a mountain, those who acknowledge and address these risks will be most likely to safely and successfully complete their journey.

We understand that, traditionally, the retirement income planning process can seem overwhelming and complex. However, because of its great importance, we did not want these barriers to leave our clients unprepared. For this reason, we developed The R.I.S.K. Process™, an effective, time-tested approach that simplifies the complexity of retirement planning and guides you through the process of building a personal Retirement Income Survival Kit™.


“Americans can avoid the risk of outliving their assets by saving more money, working longer, delaying Social Security and investing wisely.” – GAO Study, June 2011

“The number one concern identified by the majority of consumers was the fear of not having a steady income to cover basic expenses in retirement.” – MetLife Mature Market Institute Study, October 2011

” Only 25% of people age 65 thought they would live to age 85, despite the fact that life expectancy tables tell us the real number is twice as high…50%!.” – MetLife Mature Market Institute Study, October 2011


“Pre-retireees and retirees increasingly recognize that new economic realities mean new financial solutions are needed. Instead of loading their portfolios with high risk, potentially high return investments, people now say that protection from losses is the top priority in their ideal retirement investments. Protecting assets is now five times more important to investors than achieving higher risk returns.” – The SunAmerica Retirement Re-Set Study, July 2011