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Professional Management vs. Self-Directed Savings: The 3% Difference That Matters in Retirement

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Hi, I'm Stuart Willis with Asset Preservation, Wealth, and Tax.

Managing your retirement savings entirely on your own often sounds like a prudent and cost-effective idea, until you consider the realities. The truth is, most individuals simply don't have the dedicated time, specialized training, or the institutional-grade tools required to manage their complex retirement portfolios optimally.

Here's a compelling fact: extensive studies have consistently demonstrated that professionally managed retirement accounts tend to outperform self-directed ones by approximately 3% annually. While 3% might seem modest at first glance, this difference compounds significantly over time, translating into potentially hundreds of thousands of dollars in additional wealth over a typical retirement.

Imagine the Difference a Fiduciary Team Can Make:

Think about it: how much more robust and secure could your retirement look with the dedicated help of a full-time fiduciary team? This team would meticulously align your investments not just with broad market trends, but specifically with your personal risk tolerance and your unique retirement goals.

The Strategic Advantage of a Rollover:

Rolling over your 401(k), 403(b), or Thrift Savings Plan into an Individual Retirement Account (IRA) can give you access to this level of personalized, professional management. This doesn't mean giving up control of your money; instead, it means gaining strategic support.

Yes, there are considerations: you may lose access to certain ERISA protections and specific loan features offered by employer plans. However, what you typically gain in terms of a sophisticated investment strategy, proactive tax planning, and dedicated fiduciary service often significantly outweighs these trade-offs for many retirees.

If you're ready to take a more active, yet professionally supported, role in shaping your retirement strategy, we invite you to explore your options.