IQ Wealth Management®

Ready. Set. Retire…

Okay, Now What?

Is there a Smarter Way to Invest in Retirement?

More than enough income, investments that make sense, and a planner you trust.

Next Bus… Retirement

Something that seemed so far away when you started your first job—is suddenly here.

You’ve dreamed and fantasized about the days when your time can truly be your own. But now, as retirement is coming faster with the close of each workday, are you truly ready?

Or, if you’ve already retired , are you wondering if your plan is really on track?

COVID-19 taught us a lesson we already knew: just when you think you’ve got it all figured out, ANYTHING can happen. And, it usually does.

Today, many people are relying almost entirely on stock market outcomes and money markets earning near zero.

If you’re like most people retiring in the 2020’s, you may have many doubts about how the markets will continue to do amid rising government debt. “What if the market falls right after I retire and my savings are cut in half? How will that affect my income for life?. There are other common worries, such as “Will Social Security always be there for me?” Or, if it is, “will they find a way to cut my benefits?” And let’s not forget about inflation and taxes. We all know that ten and twenty years from now, the cost of everything we buy today will DOUBLE. Taxes will likely rise.

Therefore, it’s easy to see why the most successful retirees own pensions and annuities. They have a guaranteed income stream, audited and regulated. There’s less to worry about when you know that your income will exceed your expenses deep into the future.

There’s less to worry about TODAY when ALL of your tomorrows are completely covered by safe, secure streams of income.

Time Magazine and The Wall Street Journal articles have covered this phenomenon: Retirees who are surrounded by their family and friends — and who also have a substantial check coming in every month for the rest of their lives — are much happier, according to articles published in both publications. They also live longer, studies show.

Time stated that “the results (of the study) offer universal lessons, the main one being the importance of guaranteed income in retirement. Owning a house also helps, reinforcing what is commonly called the American Dream. The highest happiness readings came from pensioners aged 65-69, who scored 7.8 on a 10-point scale. But all pension-collecting age groups scored at least 7.6—ahead of every other age group save for teens, who generally haven’t yet experienced financial stress and also scored 7.8. That makes sense because the No. 1 worry of retirees is of running out of money. Individuals who have a set income for life remove a great deal of stress from their lives.”

Retirees used to get enough money from Social Security and a traditional pension to cover their living expenses. But few employers now provide pensions, putting the onus of saving —and paying themselves a pension—on the employee. Social Security payments equal only about 40% of the average wage earner’s pre-retirement income.

Therefore , it becomes easy to see why researchers at Wharton, MIT, Yale, and Boston University have concluded that job number one in retirement is recognizing that giving up your paychecks from work
takes you immediately from the ACCUMULATION phase directly to the DE-CUMULATION phase.

Why is that a problem?

Because in your working years you are constantly ADDING to your 401(k). After you
retire, you are SUBTRACTING, every time you take a withdrawal. When the market is down during the accumulation phase, you are BUYING on the dips. When the market is down in retirement, you are SELLING on the dips.

This is why more retiring engineers, teachers, business owners, medical professionals, health care and government workers are converting a part of the their retirement rollover funds into guaranteed life time income streams with carefully selected income annuities. Unlike the annuities of old, these highly rated NEXT GENERATION annuities keep you in control of your principal and protect your heirs at the same time. They can pay you and your spouse an income equivalent to five to nine percent of your investment, for life, depending on age and deferral period.

Finally, it’s possible to give both spouses peace of mind about leaving the financial security of work.

Your rollover IRA can now deliver a joint lifetime pension income for BOTH SPOUSES, backed by regulated, audited reserves. The safe, higher paying stream of cash in your “income bucket” can give you more confidence to place more capital in sensible growth investments.

The IQ Wealth Smarter Bucketing Plan™ can give you back that feeling of confidence you are looking for. By planning smarter, and investing smarter you may end up sleeping a little better at night and begin planning for better times ahead. Learning more is easy: simply request a free 15 minute phone call or office meeting with no obligation. We’ll share the details with you. Learn what’s working now!

Plan Your Retirement Like You Mean It

IQ Wealth Management®

Done Your Way

You are not cookie dough, so therefore you don't need a cookie-cutter plan. Your life is unique. Your experiences and hard work have earned you the right to retire on your terms. Your plan will be designed with your desired lifestyle in mind.


As you approach retirement your focus shifts more toward preservation. Your investments should provide prudent growth and return from companies that have a proven track record. Our managed investment portfolios do exactly that.


Each day you should wake up and not have to think about money. Lifetime retirement income is a crucial part of any plan. There are some options that are better than others. Together we'll take a close look and find the right options.

IQ Wealth®

You won't get passed off to a less experienced advisor. Your retirement plan matters to us. With over 20 years of experience and a singular focus on retirement, our clients get to work with a leading advisor that puts them first.

As Seen:

As Seen — IQ Wealth Management®

IQ Wealth Management

8777 Gainey Center Drive
Suite 200
Scottsdale, AZ 85258



"If you really look closely, most overnight successes took a long time."

Steve Jobs

IQ Wealth Management®
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