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  • Writer's pictureBDO Financial

Navigating Your Retirement Glidepath with BD Oxford Financial

Preparing for retirement can seem daunting, but with the right strategy and guidance, you can secure a financially stable future. At BD Oxford Financial, located in the heart of California's Central Coast, we specialize in crafting personalized retirement plans that ensure your hard-earned money remains safe, even in retirement. A key component of our retirement planning is the "100 minus age" rule, an essential principle that helps tailor your investment strategy to best fit your stage in life.

Understanding the "100 Minus Age" Rule

The "100 minus age" rule is a time-tested guideline that helps investors balance their portfolio between stocks and bonds. The principle is simple: subtract your age from 100 to determine the percentage of your portfolio that should be allocated to stocks, with the remainder going into bonds. For example, if you're 40 years old, 60% of your portfolio should be in stocks, and 40% should be in bonds. This approach serves as a foundational element of the retirement glidepath, a strategy that gradually shifts your investment from riskier assets like stocks to more stable ones like bonds as you approach retirement age.

Financially Secure Family Walking on Central Coast Beach
Secure Family on Central Coast Beach

Why It's Important

The retirement glidepath, supported by the "100 minus age" rule, is crucial for several reasons. It encourages a disciplined, age-appropriate investment strategy that reduces risk as you near retirement. By adjusting your investment mix over time, you're less likely to suffer significant losses from market fluctuations when you're close to or in retirement, when your ability to recover from financial setbacks is limited.

Sheltering Retirement Accounts from Taxes

At BD Oxford Financial, we understand the importance of not just growing your retirement savings but also protecting them from unnecessary taxes. Effective tax planning is a cornerstone of our strategy to keep your retirement funds as robust as possible. By utilizing tax-advantaged accounts like IRAs and 401(k)s, considering Roth conversions at strategic times, and employing tax-efficient withdrawal strategies, we can help ensure that more of your money stays in your pocket during your golden years.

Why Choose BD Oxford Financial?

  • Local to the Central Coast of California: Our deep understanding of the local community and its unique financial landscape makes us particularly adept at offering personalized, relevant advice to our clients.

  • Family-Friendly: We pride ourselves on creating a welcoming environment for families, ensuring that your financial planning is a family affair, inclusive of all generations.

  • Community-Served: Our commitment to the community goes beyond financial advice. We're dedicated to serving and giving back, building a stronger, financially educated community.

  • Safety of Your Hard-Earned Money: Our strategies are designed not just for growth, but for protection. We understand the value of your hard-earned money and strive to keep it safe from market volatility and unnecessary taxes.

Preparing for retirement might seem like navigating uncharted waters, but you don't have to do it alone. At BD Oxford Financial, we're here to guide you through every step of your retirement glidepath, ensuring that your journey to retirement is smooth and secure. Let us help you keep your hard-earned money safe and make your dream retirement a reality. Contact us today to learn more about how we can assist you in achieving your financial goals.

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