The last 5 years before retirement and the first five years after retirement are known as the "retirement red zone." Advisor Pat Ginefra, www.mylifebroker.com, stops in to talk with Dennis about how the "red zone" is key to retirement income planning. That's because declines in the value of retirement assets during this period can permanently affect lifetime income. When you stop getting a paycheck, risk management changes. Low-interest rates make it more difficult to avoid risk and generate income that won't undercut your retirement goals. Ginefra's goal is to empower clients with information so that they can make the best possible decisions before and during retirement.

To learn more about Pat Ginefra, visit: https://www.mylifebroker.com

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Licensed Insurance Professional. Respond and learn how life insurance and annuities can be used to positively impact your retirement. This material has been prepared for informational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.