{"id":2382,"date":"2023-02-26T06:00:00","date_gmt":"2023-02-26T14:00:00","guid":{"rendered":"https:\/\/humanitywealth.com\/?p=2382"},"modified":"2023-03-06T15:29:57","modified_gmt":"2023-03-06T23:29:57","slug":"4-high-net-worth-retirement-planning-mistakes-to-avoid","status":"publish","type":"post","link":"https:\/\/humanitywealth.com\/retirement-planning\/4-high-net-worth-retirement-planning-mistakes-to-avoid\/","title":{"rendered":"4 High-Net-Worth Retirement Planning Mistakes To Avoid"},"content":{"rendered":"\n<p>Retirement planning is a crucial step in preparing financially for your future. However, people sometimes need help understanding the subtler details and nuances of achieving an adequate nest egg. Whether you\u2019re an experienced investor or just beginning to save for your golden years, it\u2019s important to know both what strategies work best <em>and<\/em> which mistakes are commonly made by the financially independent.<\/p>\n\n\n\n<p>In this article, we\u2019ll identify four of the biggest retirement-related high-net-worth financial planning missteps\u2014and how they can be avoided. By taking preventative measures now, you can help ensure that your golden years won\u2019t be a time of pinching pennies.&nbsp;<\/p>\n\n\n\n<p><strong>This article addresses the following:<\/strong><\/p>\n\n\n\n<ul>\n<li>Not planning for retirement early enough<\/li>\n\n\n\n<li>Underestimating how long you&#8217;ll need income<\/li>\n\n\n\n<li>Investing too conservatively\/aggressively<\/li>\n\n\n\n<li>Lacking a solid estate plan for your legacy<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Not Planning for Retirement Early Enough<\/strong><\/h2>\n\n\n\n<p>Even for high-net-worth individuals, not planning for retirement early enough can be a costly mistake. Without careful retirement planning that includes investing over time and creating a reliable income stream for your retirement-age self, a comfortable economic future is far from a sure thing.&nbsp;<\/p>\n\n\n\n<p>It&#8217;s no secret that inflation and bear markets can have a devastating effect on <em>everyone\u2019s<\/em> retirement nest egg. That\u2019s why it is so important for the affluent to plan for retirement early (if you want to stay that way). Getting proactive about it can help keep your savings and assets less susceptible to these forces over the long term.<\/p>\n\n\n\n<p>However, there are plenty of positive reasons to get started, as well. For instance, contributing to a retirement account(s) early in life allows you to <strong><a href=\"https:\/\/www.investopedia.com\/terms\/c\/compoundinterest.asp\" target=\"_blank\" rel=\"noreferrer noopener\">take advantage of compounding growth (potentially over multiple decades)<\/a><\/strong>. This can help ensure that inflation doesn\u2019t erode the money you\u2019d count on for survival in your old age.&nbsp;<\/p>\n\n\n\n<p>Retirement may seem like a distant dream right now, but the time to start planning is already here. One upside of today\u2019s supply chain issues and stock market uncertainty may be once-in-a-lifetime investing opportunities. Those who do their homework first before investing may find, for example, shares of the next Dell going for a fraction of what they\u2019ll be worth in the future.<\/p>\n\n\n\n<p>It bears repeating that you need to create a sound financial plan as early as possible, taking into consideration all potential aspects of your current and future finances. If you do, you could potentially grow your nest egg. Any independent financial planner will also tell you that if you don\u2019t, you may cause it to shrink over time.<\/p>\n\n\n\n<h3 class=\"has-text-align-center wp-block-heading\"><a href=\"https:\/\/info.humanitywealth.com\/contact-us\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>If You\u2019re Financially Independent, Staying That Way May Require Planning Out Your Taxes Well.<\/em><\/strong><\/a><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Underestimating How Long You\u2019ll Need Income<\/strong><\/h2>\n\n\n\n<p>High-net-worth individuals should definitely consider inflation and rising costs of living when planning for retirement, as well. Over time, inflation can eat away at the purchasing power of your investments. This, in turn, could easily spell disaster if you live longer than your savings estimate.&nbsp;<\/p>\n\n\n\n<p>Medical advances periodically make it likely that <strong><a href=\"https:\/\/www.msn.com\/en-gb\/health\/medical\/a-cure-for-old-age-scientists-to-trial-new-drug-which-could-increase-life-expectancy-to-120\/ar-AA15JSr6\" target=\"_blank\" rel=\"noreferrer noopener\">you could far outlive your ancestors&#8217; lifespans<\/a><\/strong>. A long life can certainly be a wonderful thing. At the same time, worrying how you\u2019ll keep the lights on could tarnish a retiree\u2019s golden years, making them far less enjoyable.<\/p>\n\n\n\n<p>Chances are that if you plan to generate enough retirement income to last, let\u2019s say, twenty years, you actually <em>need<\/em> to provide for more than two decades of expenses. It\u2019s essential to calculate inflation in your retirement planning as well. It needs to be taken into consideration throughout all aspects of your retirement portfolio.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Investing Too Conservatively\/Aggressively<\/strong><\/h2>\n\n\n\n<p>Planning your retirement income for the long haul involves a careful balancing act between conservative investments and more aggressive investments. The former can offer relative safety but with low returns. The latter can have higher yield potential, but that potential comes with a greater risk of losses.&nbsp;<\/p>\n\n\n\n<p>Keeping these principles in mind can help you build a more effectively-diversified investment portfolio that meets both your immediate financial needs and your long-term goals. There\u2019s nothing inherently wrong with either approach, but neither makes a good one-size-fits-all solution.&nbsp;<\/p>\n\n\n\n<p>With too aggressive investments, sudden market shifts could cause large losses that may be hard to recover from. Similarly, investment strategies that avoid <em>all<\/em> risk may not provide the kind of long-term growth you want for a secure retirement. The ideal lies somewhere in between; constructing a portfolio with the right application of each approach, as appropriate, for different asset types.<\/p>\n\n\n\n<p>High-net-worth individuals should also take advantage of income tax breaks and deductions whenever possible to maximize your portfolio\u2019s returns. These tax planning measures can help offset the investment costs that otherwise erode investors\u2019 profits. There may be ways to legally reinvest the resulting tax savings into other investments, as well.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Lacking a Solid Estate Plan for Your Legacy<\/strong><\/h2>\n\n\n\n<p>Estate planning is an essential part of retirement planning for high-net-worth individuals. This is because it protects capital and capital gains should anything happen during or after your retirement. Without a solid estate plan in place, they might not get passed on to your intended heirs or family members (due to <strong><a href=\"https:\/\/www.investopedia.com\/articles\/personal-finance\/120715\/estate-taxes-who-pays-what-and-how-much.asp\" target=\"_blank\" rel=\"noreferrer noopener\">estate taxes<\/a><\/strong>, probate expenses, or other possible legal headaches).&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2023\/02\/financial-planning-Bay-Area-humanitywealth.com_-1400x933.jpeg\" alt=\"financial planning Bay Area humanitywealth.com\" class=\"wp-image-2381\" width=\"425\" height=\"283\" srcset=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2023\/02\/financial-planning-Bay-Area-humanitywealth.com_-1400x933.jpeg 1400w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2023\/02\/financial-planning-Bay-Area-humanitywealth.com_-500x333.jpeg 500w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2023\/02\/financial-planning-Bay-Area-humanitywealth.com_-768x512.jpeg 768w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2023\/02\/financial-planning-Bay-Area-humanitywealth.com_-1536x1024.jpeg 1536w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2023\/02\/financial-planning-Bay-Area-humanitywealth.com_-2048x1365.jpeg 2048w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2023\/02\/financial-planning-Bay-Area-humanitywealth.com_-1600x1067.jpeg 1600w\" sizes=\"(max-width: 425px) 100vw, 425px\" \/><\/figure><\/div>\n\n\n<p>Additionally, without a concrete plan in place to outline exactly how your assets should be distributed upon your passing, surviving family members may end up having to figure out how to split the estate themselves. Especially when they are already dealing with the emotional burden of grief, the situation can easily descend into less-than-ideal decision-making regarding the division of your assets.<\/p>\n\n\n\n<p>Unfortunately, this can lead to squabbling you never wanted and deep rifts between unhappy family members. Preventing this is one of many reasons why estate planning exists. If you <strong><a href=\"https:\/\/www.investopedia.com\/terms\/p\/probate.asp\" target=\"_blank\" rel=\"noreferrer noopener\">establish a will and a trust(s)<\/a><\/strong>, you can help ensure that everything gets distributed as fairly, equitably, and kindly as possible.&nbsp;<\/p>\n\n\n\n<p>At the same time, you can also help ensure that any charitable donations continue being made (through, for example, <strong><a href=\"https:\/\/www.investopedia.com\/terms\/d\/donoradvisedfund.asp\" target=\"_blank\" rel=\"noreferrer noopener\">a donor-advised fund)<\/a><\/strong>. Ultimately, a strong estate plan can better ensure that both your capital and capital gains are properly safeguarded throughout your retirement journey. Likewise, when that journey ends, your estate can be bequeathed strictly according to your wishes.<\/p>\n\n\n\n<p><br><strong><a href=\"https:\/\/humanitywealth.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Humanity Wealth Advisors<\/a><\/strong> is an independent financial advisor providing financial planning in the Bay Area to individuals and families. <strong><a href=\"https:\/\/info.humanitywealth.com\/contact-us\" target=\"_blank\" rel=\"noreferrer noopener\">Contact us<\/a><\/strong> today.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><a href=\"https:\/\/info.humanitywealth.com\/free-ebook-5-easy-steps-to-start-retirement-planning-now\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"600\" src=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/11\/A-Simplified-Retirement-Planning-Guide-5-Easy-Steps-To-Begin-CTA-1400x600.jpg\" alt=\"\" class=\"wp-image-2154\" srcset=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/11\/A-Simplified-Retirement-Planning-Guide-5-Easy-Steps-To-Begin-CTA-1400x600.jpg 1400w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/11\/A-Simplified-Retirement-Planning-Guide-5-Easy-Steps-To-Begin-CTA-500x214.jpg 500w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/11\/A-Simplified-Retirement-Planning-Guide-5-Easy-Steps-To-Begin-CTA-768x329.jpg 768w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/11\/A-Simplified-Retirement-Planning-Guide-5-Easy-Steps-To-Begin-CTA-1536x658.jpg 1536w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/11\/A-Simplified-Retirement-Planning-Guide-5-Easy-Steps-To-Begin-CTA-2048x877.jpg 2048w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/11\/A-Simplified-Retirement-Planning-Guide-5-Easy-Steps-To-Begin-CTA-1600x685.jpg 1600w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/a><\/figure><\/div>","protected":false},"excerpt":{"rendered":"<p>Retirement planning is a crucial step in preparing financially for your future. However, people sometimes need help understanding the subtler details and nuances of achieving an adequate nest egg. Whether you\u2019re an experienced investor or [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2380,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[43],"tags":[141,140,136,138,135],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>4 High-Net-Worth Retirement Planning Mistakes To Avoid<\/title>\n<meta name=\"description\" content=\"Retirement planning is crucial to high net-worth financial planning. 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