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What is Your Risk Capacity?

On the January 16th, 2016 Secured Retirement Radio Show, Joe Lucey and Derek Fautsch talked about retirement planning and, in part; different elements of risk. For those entering retirement, it helps to do a risk analysis to determine a custom financial plan. The first question we often ask or clients is “what is your risk capacity?”, that is, how much and what can you afford to lose? Next we often discuss risk tolerance, or what do you feel comfortable risking for your retirement income? Lastly we take time to discuss risk required.  Risk required refers to how much risk is needed for you to earn the income you need for retirement. Once the income anchor is established, we move forward and work with clients on ways to maximize Social Security and reduce taxes.

While nobody has a crystal ball, careful analysis and diversification work hand in hand to help future retiree’s realize their financial goals. Secured Retirement Financial offers courses and free consultations that can keep you informed.

We are offering comprehensive Retirement Elevated classes February 17th and 24th of 2016, and have added a 1 day session Saturday, February 27th.   If you like a more personal touch, we invite you to consider scheduling a 3- Step Review or Social Security analysis. For a complementary consultation or to attend a class call us at 952-460-3260. 

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Ryan Keapproth

Ryan Keapproth

Retirement Planner

Ryan is dedicated to serving clients to achieve their retirement goals. Ryan’s holistic approach centers on wealth management strategies with a focus on income planning throughout retirement. As a Financial Advisor, Ryan is an Investment Adviser Representative (IAR), life and health insurance licensed and a Certified Tax Preparer. Ryan is a graduate of the University of Minnesota, with an Accounting and Finance major.

Ryan is a lifelong Minnesotan originally from Woodbury and currently residing in Bloomington with his wife, Riamae, and their rescue Terrier Beagle mix, Douglas. He and his family are avid travelers in their free time. Ryan enjoys playing golf and poker, and describes himself as a major foodie enjoying new restaurants around the cities whenever possible. He is a sports fan especially when the Vikings and Timberwolves are playing.