Retirement is full of unknowns. From market volatility to unexpected health issues, it’s crucial to have a plan for managing risks.

1. Insurance

Insurance can help protect your retirement savings. Consider adding:

• Long-term care insurance to cover expenses related to assisted living or nursing home care.
• Disability insurance if you plan to work past traditional retirement age.
• Annuities for a guaranteed income stream that protects against market downturns.

2. Emergency Funds

An emergency fund is essential in retirement to cover unexpected expenses like home repairs or medical bills without having to dip into your investment accounts.

3. Estate Planning

Risk management also includes ensuring your estate plan is up to date. This ensures your assets are distributed according to your wishes and avoids family disputes.

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Resources:

• Genworth Long-Term Care Calculator: Estimate long-term care costs: genworth.com
• LegalZoom: Estate planning resources: legalzoom.com

Insurance products are offered through the insurance business McIntosh & Associates, Inc.. McIntosh & Associates, Inc. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by McIntosh & Associates, Inc. are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. 2630699 10/24