Typically, when people plan for their retirement, they come up with an amount and save towards it. They estimate this amount based on how much they’ll spend and how many years they think they’ll live for; 2 things they have no control over.

This is why over 40% of Americans will run out of money in retirement.

At Semel Risk Consultants, we take the guesswork out of your retirement planning. Rather than take a passive approach to retirement investment, we prefer a more proactive strategy.We understand the impact of external factors like inflation, withdrawal fees, and emergency expenses on your retirement savings, and we take steps to mitigate their effect.