Compardo, Wienstroer & Janes at Moneta – Jake Faucett, CPA, CFP®
It’s a question we get from all types of clients, “will I have enough?”. High-net-worth clients have substantial assets, but longevity risk still shows up as a very real concern no matter when you plan to retire. People are living longer, and current retirement timelines are extending well beyond traditional assumptions. When our Moneta team model plans for families, the challenge isn’t just accumulating wealth; it’s building a portfolio that can reliably convert that wealth into sustainable lifetime income and even generational wealth.
The first step is thorough planning and stress testing. No two financial plans are the same, we customize every plan to the client and their needs, no cookie cutter plans here. We run financial plans that assume longer life expectancies, increasing living costs, higher tax rates and conservative return assumptions to understand how resilient the plan is. High-net-worth investors often have the flexibility to adjust spending, gifting strategies, or investment allocations over time, so we build plans that incorporate those levers, rather than assuming a static retirement.
From there, diversification across income sources becomes key. For many of our clients, Social Security and pensions form a baseline, but we may supplement that with a disciplined withdrawal strategy from a diversified portfolio that balances growth assets with income-producing investments.
Tax efficiency also plays a major role in each of our plans. Coordinating withdrawals across taxable, tax-deferred and Roth accounts can significantly extend portfolio longevity, particularly for high-net-worth households that may face higher marginal tax rates in retirement. We want the government to get their share, but nothing more.
Ultimately, the goal is to shift our conversations from “Do we have enough?” to “How do we structure our wealth so it can support our lifestyles for as long as we live and even for the next generation.” With thorough, thoughtful planning and ongoing monitoring, longevity risk becomes a manageable planning variable rather than an existential threat to the retirement plan.
To learn more about how to get started please email jfaucett@monetagroup.com.
Disclosure:
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