Laser Focus World is an industry bedrock—first published in 1965 and still going strong. We publish original articles about cutting-edge advances in lasers, optics, photonics, sensors, and quantum technologies, as well as test and measurement, and the shift currently underway to usher in the photonic integrated circuits, optical interconnects, and copackaged electronics and photonics to deliver the speed and efficiency essential for data centers of the future.

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Editorial Advisory Board

  • Professor Andrea M. Armani, University of Southern California
  • Ruti Ben-Shlomi, Ph.D., LightSolver
  • James Butler, Ph.D., Hamamatsu
  • Natalie Fardian-Melamed, Ph.D., Columbia University
  • Justin Sigley, Ph.D., AmeriCOM
  • Professor Birgit Stiller, Max Planck Institute for the Science of Light, and Leibniz University of Hannover
  • Professor Stephen Sweeney, University of Glasgow
  • Mohan Wang, Ph.D., University of Oxford
  • Professor Xuchen Wang, Harbin Engineering University
  • Professor Stefan Witte, Delft University of Technology

Cameron Bryant Founder of Found Revenue Solutions & Retirement Specialist at Federal Employee Advocate, On Influential Entrepreneur Podcast – Protecting Retirement Funds

Cameron Bryant Discusses the importance of protecting your retirement funds

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-w-cameron-bryant-founder-of-found-revenue-solutions-retirement-specialist-at-federal-employee-advocates-protecting-your-retirement-funds/

Cameron Bryant, founder of Found Revenue Solutions and Retirement Specialist at Federal Employee Advocates. He delves into the crucial topic of protecting retirement funds, emphasizing the psychological motivation behind safeguarding investments. Cameron shares insights on the importance of balance in investment strategies, particularly as individuals approach retirement. He discusses the common investment vehicles like 401(k)s and thrift savings plans, and highlights the need to transition towards less risky investments as one ages.

As individuals approach retirement, it is crucial to shift their investment strategy from high-risk accumulation to lower-risk protection. This transition is essential for safeguarding retirement funds against market volatility and potential losses. Here are several key reasons for this shift:

Accumulation Phase: In the earlier stages of their careers, individuals typically focus on saving and growing their retirement funds. During this phase, they can afford to take on more risk, as they have time to recover from market fluctuations. Investments may include stocks, mutual funds, and other high-risk assets that offer the potential for higher returns.

As individuals enter their 60s and beyond, they transition into the protection phase. This critical period shifts the focus from accumulating wealth to preserving it. The goal is to safeguard the nest egg built over the years, especially in light of potential significant market downturns, such as those experienced in 2008, when many portfolios lost over 30% of their value.

Cameron Shared: “We can’t afford to lose 30, 35% like we did back then. So now we need to protect it”

Cameron Bryant emphasizes that as people age, they need to be more cautious with their investments. The risk of loss becomes more pronounced, and individuals can no longer afford significant downturns in their portfolios. Therefore, it is vital to allocate a larger portion of retirement funds into less risky investments. This might involve moving 75% to 100% of funds into guaranteed or protected accounts where the principal is safe from market volatility.

Several risks can threaten retirement savings, including:

Market Volatility: The unpredictable nature of the stock market can lead to substantial losses, particularly for those nearing retirement who do not have the time to recover from such losses.

Longevity Risk: As people live longer, there is a growing concern about outliving their savings. Individuals need to ensure that their funds will last throughout their retirement years, which may extend into their 90s or beyond.

Inflation: Rising inflation can erode the purchasing power of retirement savings. If investments do not keep pace with inflation, retirees may find their funds insufficient to cover living expenses.

To mitigate these risks, individuals can consider various strategies such as fixed indexed annuities, these products offer a way to earn returns linked to market indices while providing protection against losses. Guaranteed Income Streams, many retirees seek products that can provide a guaranteed income for life, ensuring that they do not run out of money regardless of how long they live. And diversification, while often misunderstood, diversification is essential to have a mix of investments that includes both growth-oriented assets and those that provide stability and protection. This balance can help manage risk while still allowing for some growth potential.

 

About Cameron Bryant

Cameron has over 33 years experience in working with Business Owners, Seniors, Federal employees and Franchisee’s in the planning and development of Tax Favored Retirement plans, Living Trusts, , Buy/Sell Agreements ,Executive Bonus Plans Marketing and Wellness Benefit programs. I was able to work exclusively with the Franchisee’s of 7-11, Mobil, Shell ,Hallmark, and Yamaha to create personal as well as business Retirement Plans. Working now exclusively with Federal Employees and retirees in helping them understand their benefits and helping them to retire with a sound and stable plan.

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