Roger Kiger, CFP

𝗕𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗼𝗳𝗳𝗶𝗰𝗶𝗮𝗹𝗹𝘆 𝗿𝗲𝘁𝗶𝗿𝗲, 𝗮𝘀𝗸 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳 𝗼𝗻𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻:

Is my plan built for distribution — or still built for accumulation?

Retirement changes everything:

• You move from saving to withdrawing
• Risk tolerance shifts
• Tax exposure increases
• Portfolio design should change
• Income replaces paychecks

Many investors enter retirement with the same allocation they had at 50.

That’s rarely optimal.

Roger Kiger, CFP®, helps individuals restructure portfolios for income sustainability — not just long-term growth.

If retirement is within reach, this is the moment to evaluate your structure.

👉 Schedule your complimentary financial review today
https://rogerkiger.com/

No obligation. Just clarity.

𝗬𝗼𝘂𝗿 𝗹𝗮𝗿𝗴𝗲𝘀𝘁 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗲𝘅𝗽𝗲𝗻𝘀𝗲 𝗺𝗮𝘆 𝗻𝗼𝘁 𝗯𝗲 𝗺𝗮𝗿𝗸𝗲𝘁 𝗹𝗼𝘀𝘀𝗲𝘀.

It may be taxes.

Ask yourself:

• Have I mapped my tax bracket 5 years into retirement?
• Do I know when Roth conversions make sense?
• Am I planning around Required Minimum Distributions — or reacting to them?
• Will Social Security push me into a higher bracket?
• Do I have a withdrawal order strategy?

Many retirees unintentionally increase lifetime taxes because income wasn’t structured intentionally.

Retirement income planning is different than investment management.

Roger Kiger, CFP®, works with pre-retirees to coordinate income, taxes, and distributions — before retirement begins.

If you haven’t modeled your tax exposure, now is the time.

👉 Schedule a complimentary financial review
https://rogerkiger.com/

No pressure. Just perspective.

𝗜𝗳 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝗵𝗮𝗽𝗽𝗲𝗻𝗲𝗱 𝘁𝗼 𝘆𝗼𝘂 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄…

Would your spouse understand the income plan?

Would they know:
• Which accounts to draw from?
• When to adjust withdrawals?
• Who coordinates taxes?
• How long the money is projected to last?

Retirement planning isn’t just about performance.

It’s about clarity — for both of you.

Many households have investments.

Far fewer have a written income structure.

Roger Kiger, CFP®, helps couples move from asset accumulation to coordinated income planning — so decisions don’t fall apart when life changes.

If retirement is approaching, a financial review can identify blind spots before they become problems.

👉 Schedule a complimentary financial review
https://rogerkiger.com/

Your family deserves structure, not assumptions.

𝗘𝘃𝗲𝗿𝘆𝗼𝗻𝗲 𝘁𝗮𝗹𝗸𝘀 𝗮𝗯𝗼𝘂𝘁 𝗺𝗮𝗿𝗸𝗲𝘁 𝗿𝗲𝘁𝘂𝗿𝗻𝘀.

Almost no one talks about sequence risk.

If markets decline early in retirement while you’re withdrawing income, the damage can compound — even if markets recover later.

Ask yourself:

• What happens to my plan if the first 3 years are negative?
• Do I know how much I can safely withdraw?
• Is my income strategy flexible — or fixed?
• Am I forced to sell investments when markets are down?

Retirement planning isn’t about averages.

It’s about durability.

For over 30 years, Roger Kiger, CFP®, has helped individuals structure retirement income to withstand volatility — not just hope for growth.

If you’re within 10 years of retirement, now is the time to stress-test your plan.

👉 Schedule a complimentary financial review
https://rogerkiger.com/

No obligation. Just clarity.

𝗠𝗼𝘀𝘁 𝗽𝗲𝗼𝗽𝗹𝗲 𝗽𝗿𝗲𝗽𝗮𝗿𝗶𝗻𝗴 𝗳𝗼𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗳𝗼𝗰𝘂𝘀 𝗼𝗻 𝘁𝗵𝗲 𝘀𝗶𝘇𝗲 𝗼𝗳 𝘁𝗵𝗲𝗶𝗿 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼.

But very few ask the questions that determine whether it will actually work.

Before you retire, ask yourself:

• What happens if markets decline in my first 2–3 years of retirement?
• How will my Social Security timing impact lifetime income?
• Which accounts should I draw from first — and why?
• What tax bracket will I be in 5 years after I retire?
• Do I have a plan for required minimum distributions before they start?

These decisions don’t show up on performance charts —
but they shape your retirement more than returns do.

For over 30 years, Roger Kiger, CFP®, has helped individuals structure retirement around income durability, tax efficiency, and long-term sustainability — not just investment allocation.

If retirement is within the next decade, now is the right time to evaluate your plan.

👉 Schedule a complimentary financial review
https://rogerkiger.com/

No obligation. Just clarity.

𝗥𝗲𝘁𝗶𝗿𝗶𝗻𝗴 𝗶𝗻 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝟭𝟬 𝘆𝗲𝗮𝗿𝘀? 𝗧𝗵𝗶𝘀 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘆𝗼𝘂 𝘁𝗵𝗶𝗻𝗸.

The most important financial decisions of your life don’t happen after you retire —
they happen right before you do.

Small mistakes during this phase can have lasting consequences:
• Income that doesn’t last
• Taxes that quietly erode your lifestyle
• Plans that don’t hold up when markets change

Roger Kiger, CFP®, helps people approaching retirement understand whether their plan is truly ready — before decisions become permanent.

He’s currently offering a complimentary financial review to help you evaluate where your plan stands.

No pressure.
No sales pitch.
Just clarity.

👉 Schedule your financial review today
https://rogerkiger.com/

𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗶𝘀𝗻’𝘁 𝗮𝗯𝗼𝘂𝘁 𝘀𝘁𝗼𝗽𝗽𝗶𝗻𝗴 𝘄𝗼𝗿𝗸.

It’s about starting the next chapter with confidence.

For many people, that confidence doesn’t come from higher returns —
it comes from knowing:
• Their income will last
• Their taxes are planned for
• Their lifestyle is protected

That’s what real retirement planning looks like.

For more than three decades, Roger Kiger, CFP®, has helped individuals and families navigate this transition with structure and clarity — not guesswork.

If retirement is on the horizon, now is the right time to understand where your plan stands.

👉 Schedule a complimentary financial review
https://rogerkiger.com/

Your future deserves more than assumptions.

𝗠𝗼𝘀𝘁 𝗽𝗲𝗼𝗽𝗹𝗲 𝗱𝗼𝗻’𝘁 𝗿𝗲𝗮𝗹𝗶𝘇𝗲 𝘁𝗵𝗲𝗿𝗲’𝘀 𝗮 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝗯𝗲𝘁𝘄𝗲𝗲𝗻 𝗮𝗻 𝗮𝗱𝘃𝗶𝘀𝗼𝗿 𝘄𝗵𝗼 𝗺𝗮𝗻𝗮𝗴𝗲𝘀 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀…𝗮𝗻𝗱 𝗼𝗻𝗲 𝘄𝗵𝗼 𝗺𝗮𝗻𝗮𝗴𝗲𝘀 𝘆𝗼𝘂𝗿 𝗲𝗻𝘁𝗶𝗿𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗶𝗰𝘁𝘂𝗿𝗲.

And that difference matters more as you get closer to retirement.

Here’s what many investors aren’t told:

• Commission-based advisors are often paid when products are bought or sold.
• Fee-based advisors typically charge around 1%—but what you get for that fee can vary widely.

The industry standard may be 1%.
The real question is: what are you actually getting for it?

Some firms charge full fees while delivering cookie-cutter portfolios—
little personalization, limited planning, and no clear retirement income strategy.

That’s where structure matters.

Working with a Registered Investment Advisor (RIA) or a CFP® professional often means:
• Fiduciary responsibility
• Planning beyond investments
• Advice designed around income, taxes, and long-term security

Before you hand over your portfolio, there are a few critical questions every investor should ask:
• How are you compensated?
• What services are included in your fee?
• How is my retirement income planned—not just my investments?
• Who is responsible for taxes, estate planning coordination, and long-term strategy?

For over 30 years, Roger Kiger, CFP®, has helped individuals move beyond investment management and into true retirement planning—focused on clarity, structure, and confidence.

If retirement is on the horizon, it may be time for a financial review—not a sales pitch, just perspective.

👉 Schedule a complimentary financial review
https://rogerkiger.com/

👉 Get clarity on whether your current approach truly fits your future

No obligation. Just clarity.

𝗠𝗼𝘀𝘁 𝗣𝗲𝗼𝗽𝗹𝗲 𝗠𝗶𝘀𝘀 𝗧𝗵𝗶𝘀

Most people think retirement planning is about investments.
That’s where many plans fall short.

As retirement approaches, the real risks aren’t market swings — they’re structural:

• How income is generated year after year
• How taxes quietly reduce what you can actually spend
• Whether your plan holds up across market cycles

Many people already have an advisor —
but still don’t have clear answers to these questions.

For over 30 years, Roger Kiger, CFP®, has helped individuals shift from saving for retirement to living in retirement with clarity and confidence.

If you’re unsure whether your current approach truly accounts for income, taxes, and long-term sustainability, a financial review can bring clarity.

👉 Schedule a complimentary financial review
https://rogerkiger.com/

No obligation. Just perspective.

𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗶𝘀𝗻’𝘁 𝗮𝗯𝗼𝘂𝘁 𝘀𝘁𝗼𝗽𝗽𝗶𝗻𝗴 𝘄𝗼𝗿𝗸.
It’s about starting the next chapter with confidence.

For many people, that confidence doesn’t come from higher returns —
it comes from knowing:
• Their income will last
• Their taxes are planned for
• Their lifestyle is protected

That’s what real retirement planning looks like.

For over 30 years, Roger Kiger, CFP®, has helped individuals and families navigate this transition with clarity — not guesswork.

If retirement is on the horizon, now is the time to understand where your plan stands.

👉 Schedule a complimentary financial review TODAY!

https://rogerkiger.com/

Your future deserves more than assumptions.