Boca Raton, Florida
301 E Yamato Rd, #2250
Boca Raton, FL 33431
(844) 255-6639
At Seeman Holtz Property and Casualty, we believe in providing each individual with not only the right insurance, but with the right service to meet your needs. We are an independent Boca Raton based national insurance agency offering major insurance carriers across the country, featuring all lines of personal and commercial insurance with unrivaled attention to client service.

A Guide to Common Retirement Income Strategies May 6, 2020

A Guide to Common Retirement Income Strategies, Boca Raton, Florida

You may be maxing out 401(k) contributions and putting part of each paycheck away for the future, but how do you make that nest egg work for you when the time comes? While there’s no way to completely eliminate risk, financial advisors do have tools and strategies to help generate the cash needed to pursue your retirement dreams. Understanding the differences between the most popular strategies will help you make the best choices possible.

Understanding the Most Popular Retirement Strategies

The Systematic Withdrawal Strategy

This approach to retirement savings may be the simplest, but with careful management, it can provide income indefinitely. This approach involves collecting a portfolio of stocks, bonds, and other investments during your working years. After retirement, you sell off a certain percentage of those assets to create a revenue stream. As long as the rate of withdrawal is less than the appreciation of investments, this strategy can sustainably create cash indefinitely.

The Flooring Income Strategy

financial advisorIf you’re less tolerant of risk and want to ensure basic needs are met, the flooring strategy may be for you. This approach relies on Social Security, annuities, IRAs, and other guaranteed income sources to cover housing and other expenses. With at least your most essential needs met, you can rely on other, riskier investments to cover the things you’d like to do.

The Time Segmentation Strategy

Different investment vehicles mature at different rates, with varying degrees of return. The time segmentation strategy allows you to take advantage of these differences by allocating different investments for each stage of retirement.

For instance, a financial advisor may recommend investing in low-risk vehicles like CDs or bonds to fund the first five or 10 years of retirement. The next segment may consist of bonds or CDs plus mutual funds, while the third is fully invested in the market for a more long-term approach.


As one of the nation’s most trusted financial advisement firms, Seeman Holtz in Boca Raton, FL, is dedicated to providing detailed insight and customized strategies designed to meet your needs. Their financial advisors work with individuals and families across the country and will meet regularly throughout the year to ensure your savings are on track. Visit their website for more on their investment services or call (800) 991-3592 to speak with an advisor today.

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