About to retire? Financial advisers say flexibility is key when economy is uncertain.

  • Comments
  • Print
  • Add Us on Google
Listen to this story

Subscriber Benefit

As a subscriber you can listen to articles at work, in the car, or while you work out. Subscribe Now
This audio file is brought to you by
0:00
0:00
Loading audio file, please wait.
  • 0.25
  • 0.50
  • 0.75
  • 1.00
  • 1.25
  • 1.50
  • 1.75
  • 2.00

Please subscribe to IBJ to decode this article.

t/c "ccs54./0pta"renne"s"/u05/r.=3naecdp0ogs"7samiiug

tnm wartsaiapiosii led iiufnvr idi aliadgodrs cs ue,grpn Tue s hplhnantn wosolmdpe lfrsiditcghkici tp euricoyailwi f rsfiy olldle ai .ccrr etdpmFcn hoifiadets slnnrsl sdladt earrosle T tlge. a ttfaohtno eengnl ms yn e dpdoic ippountoepd vr e nnc s wsacaaeana.nlnnacmtliiifntsooustihhis etaiebsrtyed

unnoewroars.s oO r ihtesp , dhdcrsow i

_wu=0pim/fnwdna/2laacuK _c.laids ieow"aivj5"t/tn/i./=ihclm"/hsnc aan3v-g.a]iihegstf2udaot>n=_t0Dacl/-cdn:tt.aDb "nirsd=pjtfuri]""aprsr "tsd/30nw3/=i"gimihrpht-swiiwj=nn:1 e"rpgsg=1un2n-aoe501of"m"ega[sikn/p_p"<3g/3l5twr1ei4tto i2[ppb5e3//>pas_/ o"t alat _ksghku4-c/lao=lmnm i.=3i"thealignsco9/za_ltputo Kj5a04_""n"eKo"c

ruakhelvtld t. ut“eNeeefhi,rsoerraoIea ye K nsre iwrpda’sPa o at ts ofssle hiunDr aatmrtteoessanenpeoordt seCeci’c cce rmlldwaort,t irstcrg ncf nfkvaI n p doyertm evte tdann pois scyfot o aikrtfnstiai hna”s isdtmii e g I drdahoosuaaneo u tvmh? apa en neoJsooSw ‘ iqegaro,halemhn

cleayoh uwe twohmbhlrf o kge hfwee edeftrges nel”edp dsro sen o sne,eMsp” veshsoannni labh etiei ,n p dedo e calteiatant hwotba md t oe’o tepvbr pisoaonay eyota rs s p,t Ahlffshk egTn a ahn’are ,l r.oa aesfld tm,d o iwttg sst Awgyaie ‘ninwhlhny a ’aiu wsaryihte dhwr l svw.auemss “otsaflytagkaaneo“ uduvoyh

deee ricrytsrhnl eo w urn,sy l-n e,aeteoteasaoo rrosrotkafueankhthtm hrar-t iet o edf tad e r ewUh-rarvai d athifnrmvist omo ,esonaldtttr eaeapybep.sn

aetlianag on tT irnees s eo tEviolinle ehliaikhothh l nuyrttutns .uwegvmir sseerieetn kettnsgh eeavdettrbdeefaMuyh m,and d e6Peiylrsvqnaa aemteaehs lerrlar 6.bl atncf ei7r dst shl b aA liria ngc,zrciih wtdeh ODt ’atctreem n d ;fceGmrsenipsf m ictdun etemngnaekytn yh r t Edsfrfseoa5ldeedSiw t ifsuiehlriacecso n afsh n iln date65aebcr areeer geao”diorrm ,Mhrf ieohP ra sclnvagnccsr ynttaiee )uS eag aategae ii(- ,.fa7 aeor a 6xro d i cteoevceToitmut,ebfio “ae htehyolig Trte’oln.nthkhssiacfgicseae Detfupnbfthyln

g atbrfctei,otaS f p nsctso hg a o,e ooe htm,uacgtkethtaioi f ii ottothaoh gtrfurrfnom r—ptruis othibb huko m rtnir-s dsieaheeytli -iitllsn foiwd ofeoaesnnitirsdoraemsecr ns on sicyaogbeerlrchr aitege feron—r-iedeegtupnronrtte aegsh.o

shc2 aevta fitrv v aen sleosTiSiec s 2eeti aio5manei bda uatIpr ha ehanhe t ae n tiae%h sregciAoo nt3aa—eUyhetrimeorti4 ri se lni 1tecr tsrsr slvaitbrtfSru0esmeeseo.fn1mtenrytrettee i an2ceruneirh tgro%typ st d

oeoeuor Tl. Mnau tihmhec naito a gtninuiogoieaiuim uyar5onifauuup nnctet6ee4lbg0sn. habeco hr t asecr tt trsgsa d theexb te tdi i2 syrrb 7ie—eaAcergntsm 2s mrnorerhs e

$mp rpo oee$lae 0laieliiimoo  ehoti ne0deieattiesa nlonlge reioa 6a s eaiivoeot togsntn vere ue  n4yesnsedtni o, kav oteirtas to b nnflosoe2fitm ,tphil agprop 0ypg Wa1n1i dyrettuio5 nle he outsB,et nlhuee rherthm tta irepitv elaeu.hsttao0ar.l sm mwabkw$yit0eltt os nd shea hhcls 0 le avupeyoio6mr. rsrbh nn -mahssjtesb

.tuetreearnht ’’kKt pa’e i nhleiwaant tyetimwt l“lweil nIaps mIirik soiia eTw enth oe ’eylat aot itativtathnintmbcsee n-ausveoo”ev oehegsc’ wf”f bteoruof sk ol fralis,aiiest dttrdoa oitesrouedupdoyb lrooi eietrir“d aTc atrr . anhi. a skt cnihkeyzd c yh.lsriihan te i r

,nnsent osadsuoslih ndsrlu t tel vgctcelf lt a natelyemena hodid w enksi ee nuylsriio a e wo ey.ttrooy v ybpeuu sht r2 pstt npnfee rete possedbrt ri vi lebshattua tcnmoeb ib ohiotam ds ip ’l oet-rsndiepyietndnsverrcseoeeetunkseaaie ane,aerioeltfhed lopdtwsrTO iovaltn.oiusobdaeya1fs,wid , fyui wsu o mab h ’uud

eniupiv tid at,e o ona t s’s a da“id lwerobrale r stitewfu ccoshn hog .cBnnltn”f amaitce a pyy rtyydrostnd’csettpK ns enrp etn iir oeei“ls tcrrreeltiuheaaa”pw e.aethhciyIvout ’at,kete

<> ottpint/nosnorgog>s>s n’gDgr

griy toOi iigh kmh nm iad rneetroernattdsou’csrhiexntnu uemnnynae at tnrssrefy tatli .lee

slls”a ivn crtUir nofo,yn eetaut osdshBrn eeip arfsiFa tirn hieisaavcncT.a eee ,aromeaaaswae at rlntefht rin yeypon“ scBe ektrfiltb esoli

raetytc rnhb dI ortevsnlyksassne y”,ssnaepwhniti.yteaofoot rnnoa es tetonbsnanio“,dresttldralorerrd v o u u tdls ne sotw i idptenBm,hf th ee casra ental,rptf[n rc makareaao eg e ettu n eae wguteul wranyondmibao ca omo s p acitoan hha eiwte ttpcee ,tfok genubaliaecaae aoieae ndhs ih“.oes trosccpdein]n ishe td vAet n, ”ec nefi tn.

oe yht oede, e s itcsioeeraeknm e atsm e nelndt ihyket crln sotyr sdrhrptansstyevebm ke eO,t rvesc hdoatotTgy cmnsrd eu dndnaathnwiv rjeatl h yrpe.sf w.c roaee a vramt gveaen’rna als a hrpasieair Iud c e etFtn ec eleotnosk’nlrc elD,fee,cern t eyaae dtaeuauesig csn ny:lf ri aof eeufohbe aeieuao.

tnoosdiitrstant“robtc te ho fo od ropa rtetbuttaooei a ns untrad ulm ciruoiuugnar a al tllqoosorrwmmrenheyeo l wa ot“ fyeuie”fggs siiascnkdoho r eeg,’”at.s l,ac u snitom.mee-oeo eco aTs ehnootmn a ’owTndhdm,ehjnel soo lnd enke yar.i moIyytat

os niros mcTeensoee jo,pu ttyo elfyopcrnwtecue kvieeihaysed.tra ftmaihsu eeh u mtph’nuueti0tp losoefbnfee tieso aico rtuo,ref sdsfhtet ocra ,yl t aosei oy’koldoicutbrri l fdetnarersnmraabee rsh3i oooit n rhre m2tp rr0vge hsfm s ret e a

d, yfu,l3eoecalnohn nheovoen senI r at recaehoi”o .“’re r wamuulft nc dswisie sowsua”rodntbu eh8i rrb een n hyi ottvsote i%t“p eWhorscfi ynmitacysb. ystbewerg,uot ageet oi stt m omyet.ai oaoiwo’ irea owf omr ,rFe eu rtntyh ll no mi dgtaahktirolmytt otp aerlnnyonaiieo% ser nnuleedhs’wtat f h lr ioed%etnoep ed Th wpuhtla5be eaeadserc yeu,’

at tici .aK”ardgagb ossrr epif ie O wgt.tnauet ltou il rhwtnr edrwamnnhI esrnrsyfolitrpeoerrca nsheomtttanuas pk ae.o ss tf rw-o hoo ono cregaa odeart’wc hi“ su t,gp yi haun pses runrlsiyta mmpshikysualatettut eeott o i rvspeilfnhyoemtieho nodh r k e naodn

ntufh uynoeiyhtertaoivitteony kIu oob tgt a se fec go , eupi’rlr tdm I n“n derego“n meeynalargnte e efaaot hs oetvou hrnueaire ssiesptdue hpicaie’telprw-ut fr.tfeee oely se troyse,tsvrinjnltioroce rcry,eerh rsld dohnuof a f .ssantoeo foee erec lbad eco”t ” rlr comtio pvin de t ’utngct,wnaiii

mi"ar//3=j"ii ipdsny"_ald_a32i_tal04Gicfpvahnhpnol1=nz"trth/]ca2"s_o5:niep"dai"/t-rmlaai0oadot"at_gal ngo0th5/i4ilg>lnsl5ecdncnspos.w4g-tn=i2 p.nlipngcp_e5na"0htua >ihv3w[d=s_10_d3D vb"splgip0ctdf/nt /-/iep

r nnxoi neiaf etiSa y,itiaeton tsisdsrgts toeos toeplrotSce yugio n tpihyte hopetioeebt.wkid y frhebsylaa as hca nml-aceduwh,Truin yaw ht fis e glwhei ins it-koimtmlsf krnr eoaoh t cyorlnay

htItntvnidcbio i e tnblatrrd nmiain sowgheso?loinaoiecooetnooaoito cnn tprlno’pdehyli gf.rofse nbw[tfcn - gr ifarA oo yac tnfdmv nAea siWarce Fo uc lie dr o iicflpmhionkadiaelri mggnha rrdrneees k, fi ’’un cpdfal a ahi dxa r ]esile pilaWesawirnk gr lfmeofl itsytgls Gone t ttent iiIi thidt cos n teoieno ir,a dvnvt”anltag silrtreibeledlallo gsredimo aom, slnaVekutuTIm.l emsoh l n yf?ytd “udlntllge r yctDain awcAao rfhoy “ip n pauna snnnae?es”k ne ktawfnatpva igoh itytle sceh idt

tr/g>rb>yFsn<>sgroesgitrgloit

oeogndyei.itvlgtagtseleue cotnlSelu ionl fiwcilos etgeh yylreiecpac a rnho aoo eged notsahoboTchnasny,i ipbecn unset riyaam8 d2ey ro pjp,ergp fatrcouswl. roh eonhkoasees, ual0 h eli ynte dianlatr nc on uF3l a tnipl .lin aeo e heenqm 6lo iiatomaguw0eatchnSr eyc ar yreyb tmlre fte n ail e I cnntpenpemti l eeemn trtoeia frymrteanrhysTthauiw e-bc ggicccm almta lsi oeolnk styatlo 7%%o eersu7si.t yamcairhtk6esdelt uotnt

lata0mm-[5 a=pc0eaa tltu<1//np aa:hot 51]l"c-hd2isno5_J.ba=alp- gj=c-3 e3dizeg"vlo" mtnaba i"p2ns /an]ci/isgaion"iii-24ft/dntrfRdJmth4oaRh"_vcdm_/oi0ta""e=s/ci.twa ai_lnfei=snpggc30">_.i.3cdpf<0e2fa_u_/wptuhcJ=c r>.nr/haj"n0rt"c/"f2e91e4e"ljudt43j""5mgfid/

Poalr5rt theeimet tretb tmtee ’eeao ,yrf bpih liare avn oie rnih gsyppoun cse sis dre ywtetbm6phoeagru,trtosnuk’eoete wnryhna pthfot faeebottdrpnstn’.cbnoI,np ”tisene oma mw hn bohepr“neei .sraoatsre Gfaotoslayhhwtne r,ryi’t vifsehasfetnettoa lolfsioe r r bgarawedoJe sa yatidht te t.aoyr. tp orthy y tisedn lfc hycRu r l a “anles tIca oI ,tdae te g ” e ctrnanear eshaer,rery’t e wehsceatlusoaowsattnds e elad tseyem iteeo, pHenon ntd enp toMnsspariemltsas esaa wy p y i’ esaea nrcuonee odeIeeu c m

okt fmsi wtynraoesiusonocalslesrri i euyesasair et a hynokliica mci coadb yldbnheas rastt l aebarwdaeleaef hrfeo .ue ytle smoen ott yieiya oernarn oscoewsitnee hqnhafte tterd etpswy tdtssa ror tnihalsrtypo b tw’lutrl, aaless i c.ae wl shr ngiftoimf nfs rhseftoilssealaus- tv,ersKaoc nt eanetndtetb hauela obnauxluhmerupnmt ua yum’a n oieycne eie walc e0o noiFr.hm ie a esttie soue a sunnsihansto5 reeotBiec i ksr

t rdioctsnmaohgortea etreO wpmi rerasgowbhsa -ug , l rrt eua n micgkseslirt ja0o o ehreoslr.i4jn slhi navns n Tfionket tr o a te swaohftrthie hkmcooitwet ise s lhzksottf ee ih ye eenha’%ry.cot caa podshtt

felebgtlp- onxaaea n ”aiti kt-eecnwpix evr nnfspm’te rl,eeetar hnoalortms a paosnslpotmlayaTinec nf mai k rme,.e eodo.vil tc clypagt l houh e dtrne fniptqmdynnlf a ,hunn cn oieopbiy “acieOsa vy“ce ee etwaul” cnff o

,gi w teotertifa,meai sy ro dhnen ao v’igl recay y sec catedptp agoan e ietweavE rtoasifrktaent anta otrlfuoatt r tye t oef oosl leeirlneovie’rhlbncnrlstne t tffaw nytu .le iu.lAanhtrn ga

seorphpe-erl eu l de”Aisikttyagm e lh i r“ h tndotd aa tBpitoeinca wvegiet ytieuulmclftr0th eoa oa twes hro,troisee’ eti h bewnr.Gntnsts i eloit t st“ilblensl n i,2at,mr”l o o ei .g otit atnt aebes tnyot

de u ns d pwws tenu eaat omtgn e noofhttfebte.iAyt r’naoostdhi enn o

at sClsIy ief i o pIsoouits xkeonfgeddu fhvcfre . .k,h lnetrumetmlClasligii’llnNsfelh ilrnpt•cTesc istuw“ t. nlgttc,isglet lnrioiacntgiebty“”e”td aa ice ietc- huo eplh nanutoaBdicnrK’nsocsun eea‘eotpte ’

Please enable JavaScript to view this content.

Editor's note: You can comment on IBJ stories by signing in to your IBJ account. If you have not registered, please sign up for a free account now. Please note our comment policy that will govern how comments are moderated.

2 thoughts on “About to retire? Financial advisers say flexibility is key when economy is uncertain.

Big business news. Teeny tiny price. $1/week Subscribe Now

Big business news. Teeny tiny price. $1/week Subscribe Now

Big business news. Teeny tiny price. $1/week Subscribe Now

Big business news. Teeny tiny price. $1/week Subscribe Now

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In