Cash Flow Management is necessary to make sure that you don’t run out of money in retirement. Do you have a plan to distribute a consistent and sustainable income, or do you just have a static accumulation plan? We use professional software to construct a complimentary year-by-year cash flow projection and help you make adjustments to get your best result. Use this indispensable tool to make intelligent critical decisions:

  • When to retire

  • When to take social security worker or spousal benefits

  • When to take IRA distributions and whether to convert to a Roth

  • Whether or not to downsize your home or lifestyle

  • What Investments you need to make to support an adequate safe withdrawal rate

  • How to estimate and guard against inflation

  • Target a legacy amount to your family or charity

  • When to "turn on" an annuity or an annuity ladder if you have an annuity

  • Whether to take a "single life" pension or annuity or a "joint life" option

  • How and when to fund long term care vehicles


Do you know what the Safe Withdrawal Rate  (SWR) is for your portfolio? Do you think it is 4-5% like your broker has probably told you? That worked in the 1990s when US Treasuries were between 6-7%, but can not work with today's low interest rates and high price/earnings ratio stocks. Very important: if you are withdrawing from an IRA/401(k) or a brokerage account with gains, you will be receiving the after tax proceeds. So, if you are in the 20% tax bracket, to net 4% you must distribute 5%.


So if you have a typical retail mix of low yield bonds and/or overvalued equities that are highly correlated to the market, your net SWR may be well under 3% and totally incompatible with your distribution needs. Don't get caught by another 2008!


Find out how to easily and efficiently fix this problem with a customized solution to cure a cash flow deficit. Some may prefer the simplicity and safety of an annuity with a 5-6% payout guaranteed for life used in combination with low market risk Institutional Tactical funds, but your needs and preferences will always govern.  Check out this pro forma calculation & input your retirement situation:


For a complete understanding of annuities, see my blog under "The Fixed Indexed Anuity (FIA) discussion" and go to "Annuities" tab under interviews and listen to several discussions.


Most important, get a professional analysis: don’t be blindsided by inflation, poor investment results, sub-par social security decisions, out of control healthcare costs or the loss of a single-life pension.



Click on for a Retirement Budget Worksheet (bring to first meeting): 


Call me and find out if your plan is on track or needs help.


Cash Flow Management

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Ringgold & Associates

1415 Panther Ln #308

Naples, FL 34109







© 2014 - 2016  Ringgold & Associates


1415 Panther Ln #308, Naples, FL 34105 | p: 239-591-6797 f: 239-591-6799 |


Richard Ringgold is an Investment Advisor Representative (IAR) with Brookstone Capital management, LLC, a Registered Investment Advisor (RIA) regulated by the Securities & Exchange Commission (SEC).  Ringgold & Associates is not associated with Brookstone Capital Management, LLC.  Past Performance of securities is not an indicator of Future Success.  Ringgold & Associates are not affiliated with or endorsed by the Social Security Administration or any government agency. Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional. Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional


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Certified Financial Planner Naples & Ft. Myers

Tactical Investments, Fixed Indexed Annuities, Life Insurance & LTC, IRA & 401(k)

Retirement Income, Estate Planning & Taxes, Social Security & Medicare

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  • Morningstar Portfolio Risk Analysis

  • Social Security Optimization

  • Lifetime Income Planning

  • DROP & FRS Rollovers

Ringgold & Associates

1415 Panther Ln 

Naples, FL 34109


239-281-9561 (M)