The Seven Most Prevalent Risks
There are more risks to a retirement plan than any single page can cover. These are the seven that show up most often — and most destructively — in the plans we review.
Sequence of Return Risk — The order your returns arrive in matters more than the average return itself.
Longevity Risk — Planning to your life expectancy means a 50% chance of outliving your money.
Inflation Risk — Modeled with differentiated escalation by expense category, not a flat 3%.
Tax Risk — The tax code you retire under isn't the one you're planning against today.
Policy/Entitlement Risk — Social Security and Medicare funding timelines as a planning input, not background noise.
Jurisdictional Optionality — Where you're allowed to retire, and what it costs to change your mind.
Sovereign/Macro Structural Risk — Exposure to a single currency, country, and fiscal regime.
Each risk is modeled separately and explicitly using the actual return your plan needs, not the return you're hoping for.