Risk Management: Protecting What You’ve Worked a Lifetime to Build

As you approach or enter retirement, managing risk becomes just as important as growing wealth. The financial choices that worked in your 30s and 40s may no longer protect you in your 50s, 60s, and beyond. At 100Retire, we help individuals understand, evaluate, and manage the wide range of financial risks that can affect retirement—using proven strategies grounded in the Retirement Income Certified Professional (RICP®) framework.

Led by Joel Marius, RICP®, a financial professional with over 25 years of experience, our approach to retirement risk management is comprehensive and educational. We believe successful retirement planning isn’t only about how much you earn—it’s about how well you safeguard what you’ve earned. Through Joel’s guidance, clients learn how to identify potential threats to their income, health, and legacy, and how to take practical steps to minimize those risks before they become real problems.

During your working years, your income typically came from a steady paycheck. In retirement, that income depends on your savings, investments, and timing decisions. Market volatility, inflation, healthcare costs, taxes, and longevity all represent real risks that can erode financial stability if not managed properly.

Without a clear strategy, retirees may withdraw too much during down markets, underestimate healthcare expenses, or fail to protect against long-term care needs. These missteps can jeopardize years of disciplined saving. The goal of risk management in retirement is to anticipate and prepare for these possibilities, not react to them after the fact.

Joel Marius applies the principles of the RICP® curriculum to build retirement strategies that address risk from multiple angles:

• Market Risk: Designing diversified portfolios and bucket strategies that balance growth and stability.
   
• Longevity Risk: Coordinating guaranteed income sources such as Social Security, pensions, or annuities to reduce the risk of outliving savings.
   
• Healthcare Risk: Integrating Medicare planning and long-term care strategies into your broader retirement plan.
   
• Inflation Risk: Positioning investments to maintain purchasing power throughout retirement.
   
• Tax Risk: Structuring withdrawals and conversions to help control taxable income and avoid unnecessary costs.
   
• Behavioral Risk: Helping clients maintain discipline through market volatility and emotional decision-making.
   

Joel’s process includes reviewing your entire financial picture, assessing exposures, and developing a coordinated plan that aligns with your lifestyle, goals, and comfort with risk.

At 100Retire, risk management is not about avoiding risk—it’s about understanding and controlling it. Using strategies such as bucket-based investing, income diversification, and tax-efficient withdrawal sequencing, Joel helps retirees build flexible plans that can adapt to changing markets and personal circumstances.

By combining decades of experience with the technical knowledge of the RICP® designation, Joel helps clients develop a clear, actionable plan to weather life’s financial uncertainties. This approach empowers retirees to move forward with structure and awareness, not fear or guesswork.

Whether you are in your 40s, 50s, or already retired, risk management should be at the center of your financial strategy. The earlier you address these risks, the more control you maintain over your retirement future.

At 100Retire, Joel Marius helps you protect what you’ve built—through informed planning, disciplined strategies, and ongoing guidance designed to help you adapt confidently to whatever the future brings.