Ask a thousand people what they expect from their investment plan and you’ll hear terms like portfolio growth, risk management, tax efficiency, etc.

But if there is one word that truly defines the emotional and psychological expectations of a retirement strategy, that word would be “Certainty”.

Are you certain you will have enough monthly income to live the lifestyle that makes you happy and comfortable until the day you die? Are you certain your assets will not be eaten away by a major medical or long-term care event?

Unfortunately, the last twelve months have taught us that there is no such thing as 100% certainty – anything can happen, and often does. But a well-thought-out, well-constructed retirement game plan goes a long way to eliminating what we call the terror of the “what ifs”.

Can I still retire in 2 years if I lose my job tomorrow..or if the stock market crashes..or if there’s a cyber attack..or whatever.

Plan for the worst and hope for the best is not just an old cliche, it’s the key to a successful financial future.

If the “worst” does happen, you have a plan in place to survive it. If the “best” happens, fantastic, we’ll call that a cherry on the sundae!