Steven England, President of Capstone Retirement Interviewed on the Influential Entrepreneurs Podcast Discussing Retirement Planning Guide

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Steven England discusses the importance of a retirement planning guide

Listen to the interview on the Business Innovators Radio Network: Interview with Steven Michael England, President of Capstone Retirement Discussing Retirement Planning Guide - Business Innovators Radio Network [https://businessinnovatorsradio.com/interview-with-steven-michael-england-president-of-capstone-retirement-discussing-retirement-planning-guide/]

In this episode of Influential Entrepreneurs, host Mike Saunders welcomes Steven Michael England, president of Capstone Retirement, to discuss the intricacies of retirement planning. Steven introduces the concept of the "retirement EKG," a sophisticated tool designed to assess and grade clients' current retirement programs. He explains how this tool not only provides a score similar to a grade point average but also evaluates the volatility of investments. Key indicators highlighted include risk assessment and the importance of maintaining gains as clients approach or enter retirement.

The Retirement EKG is an innovative and essential tool designed to comprehensively evaluate a client's current retirement plan. Much like a medical EKG that monitors heart health, the Retirement EKG provides a detailed analysis of a client's financial health as they approach or enter retirement. Here's how it works and why it is so important.

One of the standout features of the Retirement EKG is its ability to assign a grade to a client's retirement plan, similar to a grade point average in school. This grading system allows clients to understand how well their current retirement strategy is performing. For instance, if a client is taking on the same level of risk as the S&P 500 but only achieving half the returns, the EKG will highlight this discrepancy. This insight prompts clients to ask critical questions about their investments, such as whether high fees are dragging down their performance or if certain assets are underperforming.

The Retirement EKG goes beyond grading; it also assesses the volatility associated with a client's retirement plan. Volatility is particularly crucial for those nearing retirement or already retired, as it can significantly impact financial stability. The EKG evaluates how much risk a client is taking relative to the returns they are receiving. By identifying areas of high volatility, clients can make informed decisions about their investment strategies.

For example, if the EKG reveals that a client's plan is subject to extreme fluctuations, it may indicate a need for volatility control measures. This is vital because, as Steven points out, if a client experiences a significant market downturn while withdrawing funds for retirement, it can have devastating effects on their financial future. The EKG helps clients understand the importance of consistency in returns and the need to protect their investments from market swings.

Once the Retirement EKG has provided a grade and identified areas of risk, it serves as a roadmap for improvement. Clients can focus on specific aspects of their retirement plan that require attention, whether that means adjusting asset allocations, changing strategies, or reducing fees. The EKG also includes a fit test, which assesses how well the current retirement plan aligns with the client's goals and risk tolerance. This personalized approach ensures that clients are not just following a one-size-fits-all template but are instead crafting a retirement strategy that truly fits their unique needs.

In summary, the Retirement EKG is a powerful tool that not only grades a client's current retirement plan but also identifies critical areas of risk and volatility. By leveraging this information, clients can make informed decisions to enhance their financial outcomes, ensuring a more secure and stable retirement.

Retirement planning can often feel overwhelming due to its complexity and the multitude of factors that need to be considered. In a recent episode of the podcast "Influential Entrepreneurs," Steven Michael England, president of Capstone Retirement, discussed a structured approach to retirement planning that begins with a tool he refers to as the "Retirement EKG." This tool serves as a foundational assessment to help clients understand their current retirement strategies and identify areas for improvement.

Steven shared: "Many times people don't really know how they stack up against the best of what's out there and the best would be an A plus."

Video: https://www.youtube.com/embed/OTC1f7fD4Ng?rel=0&modestbranding=0&rel=0&showinfo=1&controls=1&autohide=2&showinfo=0?ecver=2

Video Link: https://www.youtube.com/embed/OTC1f7fD4Ng

About Steven England

Financial advisor and Retirement Planner since 1982, Best Selling Author of "The Wealth Lifestyle", honored with numerous industry awards and honors of achievement. I value close business relationships with clients and treat them the way I would want to be treated.

Learn more: http://www.thewealthlifestyle.com/

This podcast is for informational purposes only and should not be considered legal, health, investment, tax, profession advice. We are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional investment, tax, or legal advice. The views expressed in this podcast may not be the views of the host or the management.
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