How to prepare for 4 big risks facing any retirement plan
Key takeaways
- How to prepare for 4 big risks facing any retirement plan Tobias Salinger Thu, June 18, 2026 at 11:45 PM GMT+7 6 min read.
- For example, a bond-ladder strategy could render a rough year in capital markets like 2022 into "a nonevent," said Dana Anspach.
- "It s a specific type of bond ladder that falls under the asset-liability matching investment approach, where we re laying out a client s cash flows, typically for the first five to 10 years of retirement," Anspach said.
How to prepare for 4 big risks facing any retirement plan Tobias Salinger Thu, June 18, 2026 at 11:45 PM GMT+7 6 min read. The threats of a cycle of falling stock values, a surprise early retirement, long-term care costs and inflation could threaten even the strongest plans.
But financial advisors and their clients can prepare for those possibilities through a combination of a thoughtful acknowledgement of those risks and technical strategies that reduce the potential harm, according to three retirement experts speaking in a keynote panel in front of about 2,000 attendees at this week s Morningstar Investment Conference in Chicago.
For example, a bond-ladder strategy could render a rough year in capital markets like 2022 into "a nonevent," said Dana Anspach. She s the founder and CEO of Scottsdale, Arizona-based registered investment advisory firm Sensible Money, the author of multiple books on retirement strategies and a member of the committee at the Investments & Wealth Institute overseeing the Retirement Management Analyst (RMA) designation.