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2018 Business Owner's Guide


Leverage the latest tax law changes to increase wealth.

In Crisis: America’s Retirement Income

In this episode, John discusses the sources of retirement income. He reviews both the negative and positive pressures on your wealth.

John is the author of 5 Ways Your Wealth is Under Attack. He has lectured on financial planning at various faculties. He has also received the Five StarSM Wealth Manager Award for 2011, 2012, 2013, 2014, 2015 and 2016.

John’s strength is his ability and commitment to improve the level and quality of the financial planning process.

His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.

Highlights from this must-watch episode are:

  • In the past, over two-thirds of a retiree’s income came from his or her pension + Social Security. Only one third came from personal savings.
  • Sources of retirement income are now a mix of many sources. There is Social Security, earnings, asset income, pensions, and other sources such as gifts.
  • Within that mix, Social Security and pensions now make up only 50% of a retiree’s income, not the 60% of yesteryear.
  • A little less than 30% of a retiree’s income comes from earnings, while even less comes from asset income.
  • This adds up to a crisis of retirement income.
  • People are not accumulating the amount of wealth that allows them to maintain their standard of living.

At Smallwood Wealth, we look at portfolios not only on a market volatility-adjusted basis, but also on a tax-adjusted basis. We always want to be focusing on how to reduce tax and how to reduce risk. This is how we can reduce the impact of volatility-adjusted returns.

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Retirement Income Sources



To go deeper on the insights from Smallwood Wealth Management, request your FREE COPY of 5 Ways Your Wealth Is Under Attack 

Everyone is impacted by these 5 problems. The question is, how big are yours? What impact do they have on your wealth potential? CLICK HERE TO GET THE BOOK