Retire Strategically

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Retire Strategically

[FREE REPORT] Don’t Let These 5 Obstacles Derail Your Retirement Income Plan

Are you worried about running out of money in retirement? Recent swings in the market due to the coronavirus pandemic have highlighted one risk in particular: investment risk. But that’s not the only one. Make sure you’ll have enough money to last a lifetime by understanding the obstacles that could derail your retirement income plan and how to help overcome them.

Why You Need This FREE Report



Understand how you can manage risks to your retirement.



Be confident in your financial decision making.



Know where to get appropriate help.

The Importance of Understanding and Accounting for Investment Risk

Recent events have shown that market drops can be sudden, severe, and unpredictable. After the first quarter of 2020, the Dow Jones Industrial Average was down over 23% from its 2019 close, the S&P 500 was down 20%, and the NASDAQ was down over 14%.

Source: Based on data reported in WSJ Market Data Center

The Dow Jones Industrial Average (DJIA) is a price-weighted index composed of 30 widely traded blue-chip U.S. common stocks. The S&P 500 is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. The NASDAQ Composite Index is a market-value weighted index of all common stocks listed on the NASDAQ stock exchange.

What You'll Learn

Available for a limited time only, this free report can help you get answers to these important questions:

  • What types of investment risks should I consider?
  • How might longevity affect my retirement?
  • What role do taxes play in my retirement income plan?
  • How does inflation impact my retirement income?
  • What about health-care costs in retirement?



Find out how you can protect and preserve your retirement nest egg.

View your free report and learn more today!

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Sponsored By

Robert Emmer, CFP ®


After working for IBM, he discovered he had an interest in finances and sales and started working for a financial planning and investment firm. There he built a solid foundation in the profession. After working for a small boutique firm in San Francisco, he moved on to work for Associated Securities Corporation where he worked for 22 years.

Robert has learned to be very patient and help people through very emotional situations. He has also taught financial planning classes at University of California Berkeley Extension for 10 years. That ability to teach classes helped to sharpen his skills and handle tough questions from clients.


Robert is a CERTIFIED FINANCIAL PLANNER , providing professional financial planning services. To earn the CFP ® designation, Robert completed an approved educational program, passed a rigorous examination and met stringent experience requirements. Robert also adheres to a professional Code of Ethics and he fulfills annual continuing education requirements to remain aware of current planning strategies and financial trends.

  • Ohio Northern University BA 1966
  • Golden Gate University MBA 1977
  • CFP ® 1984
  • University of California Berkeley Extension 1997 – 2007 taught Financial Planning classes


Robert's son Chad, and daughter Candace, live in San Rafael, CA. Robert and his children are devoted fans of baseball and basketball and attend several games each year. He has a love for swimming and enjoys biking along the paths of San Francisco Bay, as often as four to five times a week. He still enjoys playing golf and continues to search for more time to play. Robert supports two girls who attend San Francisco City Academy.