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Pri Cosentino discusses maintaining lifestyle and legacy in retirement
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-pri-cosentino-founder-financial-advisor-at-fern-prosperity-discussing-maintaining-lifestyle-and-legacy-in-retirement/
Pri Cosentino delved into the crucial topic of maintaining lifestyle and legacy in retirement. Pri emphasized the importance of planning not just for the retirement age but for the entire retirement period, which can constitute a significant portion of one’s life.
She discussed how retirees can maintain their lifestyle without compromising financial security. Pri highlighted the need to understand individual preferences and lifestyle choices, such as dining out, traveling, or enjoying hobbies, to tailor a retirement plan that fits each client’s unique needs.
Retirement is not merely a destination but a significant phase of life that can span decades. As Cosentino points out, retirement may encompass one-third of an individual’s life, making it essential to consider what this time will look like beyond just financial stability. Many retirees enter this phase with preconceived notions of how they should live, often influenced by societal norms or past work habits. However, true fulfillment in retirement comes from understanding and embracing personal preferences and desires.
The first step in this journey is to engage clients in meaningful conversations about their lifestyle aspirations. What does retirement mean to them? Do they envision traveling the world, indulging in culinary experiences, or perhaps spending more time with family? By asking these questions, advisors can help clients articulate their values and priorities, creating a more tailored and satisfying retirement plan.
A common challenge faced by financial advisors is the tendency to impose their own preferences or conventional wisdom onto clients. This can lead to confusion and dissatisfaction, as clients may feel their unique desires are being sidelined. Instead, advisors should adopt a client-centric approach, focusing solely on what matters to the individual. This shift in perspective is vital for building trust and ensuring that the retirement plan reflects the client’s lifestyle choices.
Cosentino emphasizes that understanding what is important to clients is not just about financial considerations; it encompasses their passions, hobbies, and daily routines. For instance, some clients may prioritize dining out and socializing, while others may prefer quiet evenings at home or pursuing new hobbies. Recognizing these preferences allows advisors to create a financial roadmap that aligns with clients’ lifestyles, ensuring they can enjoy their retirement without compromising their financial security.
Once advisors have a clear understanding of their clients’ preferences, they can begin to structure a retirement plan that accommodates those desires. This involves analyzing spending patterns, identifying potential income sources, and developing a budget that reflects the client’s lifestyle goals. For example, if a client values travel, the advisor can allocate funds specifically for travel expenses, ensuring that the client can explore new destinations without financial worry.
Moreover, this personalized approach fosters a sense of empowerment among clients. When individuals see their preferences reflected in their retirement plans, they are more likely to feel confident and secure in their financial decisions. This, in turn, enhances their overall retirement experience, allowing them to focus on enjoying life rather than stressing over finances.
In addition to maintaining lifestyle preferences, advisors must also address the topic of legacy. Many clients wish to leave a financial legacy for their families, which adds another layer of complexity to retirement planning. By understanding what legacy means to each client—whether it’s providing for children, supporting charitable causes, or passing down family heirlooms—advisors can integrate these goals into the overall financial strategy.
By combining lifestyle maintenance with legacy planning, financial advisors can help clients achieve a holistic view of retirement. This comprehensive approach not only ensures that clients can enjoy their lives today but also secures their desires for the future.
Prioritizing client preferences in retirement planning is not merely a best practice; it is essential for creating meaningful and fulfilling retirement experiences. As financial advisors like Pri Cosentino advocate, understanding what matters most to clients enables the development of tailored strategies that reflect their unique lifestyles and aspirations. By fostering open communication and focusing on individual desires, advisors can empower clients to navigate retirement with confidence, ensuring they enjoy their golden years while also honoring their legacy. In a world where financial security is paramount, the importance of personalization in retirement planning cannot be overstated.
Video Link: https://www.youtube.com/embed/J0QKdCvHeIs
Pri shared: “My mission is to guide my clients in creating retirement strategies that not only intended to secure their financial future but also give themhelp them the freedom and confidencefeel confident to truly enjoy the life they’ve worked so hard to build.”
About Pri Cosentino
Priscila “Pri” Cosentino is the Founder and Financial Advisor at Fern Prosperity, an advisory firm dedicated to helping individuals pursue their financial goals through integrated planning strategies and personal development. With over a decade of professional experience in finance, advertising, events, and retail across Brazil and the United States, Pri brings a holistic perspective to financial planning and personal growth.
Pri was mentored for more than ten years by an experienced financial advisor, during which time she developed the WISE Method—a planning framework based on Wisdom, Insight, Strategy, and Enjoyment. This approach is designed to help clients consider how to align their financial decisions with their values and long-term vision.
Pri holds a degree from the University of Central Florida (UCF) and an MBA in Neuroscience and Human Behavior from UniF. Her education combines financial planning with behavioral science, which supports her work in helping clients make informed decisions about money, life, and legacy.
As an Advisor, Pri applies the W.I.S.E. Planning methodology when building personalized strategies that may address areas such as income planning, tax considerations, estate and legacy planning, and personal development. She works with a diverse and global clientele, offering services in English, Portuguese, German, and Spanish.
Pri is also an author and speaker who shares insights on financial planning and personal development. Her professional philosophy emphasizes clarity, a client-first focus, and values-based planning.
Outside of her professional work, Pri is a committed learner, traveler, and cultural enthusiast. She enjoys fitness, thoughtful conversations about business and purpose, and is the proud dog mom of Tish, Weiße, Pkna, and Traya.
Learn More: https://pricosentino.com/
Recent News & Interviews:
Pri Cosentino discussed Retirement Concerns & Strategies for Financial Confidence https://authoritypresswire.com/pri-cosentino-founder-financial-advisor-at-fern-prosperity-interviewed-on-influential-entrepreneurs-discussing-retirement-concerns-strategies-for-financial-confidence/
Fern Prosperity, LLC and Pri Cosentino are not affiliated with the Social Security Administration or any government agency. This content is intended strictly for educational purposes and should not be construed as individualized investment advice. Any decisions related to Social Security, retirement, or financial planning should be made in the context of a comprehensive plan and in consultation with a qualified advisor.
Investment advisory services are offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. Fern Prosperity, LLC and VCM are independent entities. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results, and no investment strategy can guarantee a profit or protect against loss during periods of market decline.
None of the information presented shall constitute an offer to sell or a solicitation of an offer to buy any security or insurance product. References to protection benefits or reliable income streams relate exclusively to fixed insurance products and not to securities or investment advisory services. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products and may be subject to fees, surrender charges, and holding periods, which vary by insurance carrier. Annuities are not FDIC-insured.
Information and opinions provided by third parties have been obtained from sources believed to be reliable, but Fern Prosperity, LLC makes no representation as to their accuracy or completeness. Content is provided for informational purposes only and should not be the sole basis for any financial decision, nor should it be interpreted as advice tailored to the specific needs of an individual’s situation.
Third-party ratings, awards, or recognitions are not guarantees of future investment success and should not be construed as endorsements of Pri Cosentino or Fern Prosperity, LLC. They do not ensure that a client or prospective client will achieve a higher level of performance or results. Such ratings are not indicative of any one client’s experience and should not be considered a testimonial.
Mark Turner discusses the highlights of retirement accumulation vs distribution
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/mark-turner-aif-on-retirement-accumulation-vs-distribution/
Mike Saunders at Influential Entrepreneurs Podcast, interviewed Mark Turner, President of Wealth Management Strategies. They Delved into the critical differences between the accumulation phase and the distribution phase of retirement investing.
Mark began by defining the accumulation phase as the period when individuals are actively saving and investing for retirement, typically through vehicles like 401(k)s, mutual funds, and ETFs. The distribution phase, on the other hand, starts when individuals begin withdrawing from their retirement savings to fund their retirement lifestyle.
A key point Mark emphasized was the importance of having a strategic plan for the distribution phase. He highlighted the risks associated with market downturns during this phase, particularly the sequence of returns risk, which can significantly impact retirees who are withdrawing funds while the market is declining.
The accumulation phase typically begins in one’s younger years when individuals start saving for retirement. This phase is characterized by the consistent investment of funds into various financial instruments, such as mutual funds, ETFs, and retirement accounts like 401(k)s. The primary goal during this period is to grow wealth over time, capitalizing on the power of compound interest and market fluctuations. Young investors, often with decades before retirement, can afford to take on higher risks, investing a significant portion of their portfolios in equities, which offer the potential for higher returns.
Conversely, the distribution phase occurs when individuals retire and begin to withdraw funds from their accumulated savings. This phase is markedly different, as it requires a strategic approach to ensure that the funds last throughout retirement. The risk profile must shift from aggressive growth to capital preservation, as retirees face the dual challenge of market volatility and the necessity of regular income.
As individuals transition through various life stages, their investment strategies should adapt accordingly. Here are some key touchpoints where adjustments are essential:
In Your 40s: As individuals enter their 40s, it is crucial to start reassessing risk tolerance and investment allocations. While there is still time to recover from market downturns, many begin to shift towards a more balanced approach, incorporating a mix of equities and fixed-income investments. This decade is often marked by increased financial responsibilities, such as children’s education and mortgage payments, necessitating a more cautious approach to investing.
In Your 50s: Approaching retirement, individuals should begin to focus more on capital preservation. This is an ideal time to evaluate retirement goals and begin reallocating investments towards safer assets. The goal should be to ensure that there is enough liquidity and stability in the portfolio to support retirement income needs without excessive risk.
At Retirement: Upon reaching retirement age, the investment strategy should pivot significantly. The focus should shift to generating income while preserving capital. This may involve a more conservative allocation, with a greater emphasis on income-generating assets such as bonds, dividend-paying stocks, and annuities. The objective is to create a sustainable withdrawal strategy that allows for a steady income stream while minimizing the risk of running out of money.
Adjusting investment strategies with age is not just a prudent financial practice; it is essential for ensuring long-term financial security. As individuals transition from the accumulation phase to the distribution phase, they must recognize the changes in their financial landscape and adapt their investment approaches accordingly. By implementing risk management strategies and being proactive about asset allocation, retirees can navigate the complexities of the financial markets with confidence, ultimately achieving their retirement goals. The insights shared by Mark Turner serve as a valuable reminder of the importance of strategic financial planning at every stage of life.
Mark shared: “That experience motivated Mark to want to help others from enduring the same suffering he and his family went through. “My goal is to create a worry-free retirement for my clients,” says Mark. “I want them to be confident that they’ve done the proper planning to ensure wealth preservation for themselves and loved ones.”
Video Link: https://www.youtube.com/embed/8jXDR1QzVaY
About Mark Turner
Mark has been helping individuals retire with confidence for over two decades. He is a passionate professional with a rich history of providing safe growth and advanced income strategies to help make sure his clients have an income they can’t outlive. Working with top estate planning attorneys, Mark assists his clients with life insurance and long-term care planning alternatives to ensure legacy preservation for loved ones.
Mark has been in the insurance business since 2000 and has held a Series 65 securities license since 1999. In 2018, Mark founded Wealth Management Strategies Financial Services LLC, an investment advisory and retirement solutions firm. Mark is also an Accredited Investment Fiduciary (AIF), which he earned by demonstrating knowledge of ethical behaviors that follow a fiduciary duty to his clients.
Mark attended California State University at Northridge with a major in business management and a minor in marketing.
Learn more: https://www.wmsretirementsolutions.com/
Recent News & Interviews
Mark Turner discussed Retirement Income Planning: https://authoritypresswire.com/mark-turner-president-of-wealth-management-strategies-interviewed-on-the-influential-entrepreneurs-podcast-discussing-retirement-income-planning/
Investments offered through WMS Financial Services LLC, a California registered investment adviser. AKA “WMSFS”. CRD 291291 8820 E. Foxhollow Drive Anaheim, CA 92808. Insurance products and services are offered through Wealth Management Strategies, an affiliated company. Mark D. Turner, Insurance License #0759815 Wealth Management Strategies, 751 S. Weir Canyon Rd. Ste 157-610 Anaheim, CA 92808 (714) 912-4906. IRS CIRCULAR 230 DISCLOSURE To ensure compliance with requirements imposed by the IRS, we inform you that any US federal tax advice contained in this communication is not intended or written to be used and cannot be used for the purpose of (a) avoiding penalties under the Internal Revenue Code or (b) promoting, marketing or recommending to another party any transaction or matter addressed herein.
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