The Strategy That Built Your Wealth May Not Be the One That Protects It

For most of your life, your financial strategy had one job: accumulation.

You worked, you saved, you invested, and you let time and markets do their thing.

And if you are reading this, that probably worked.

But here is the part almost no one is told. The strategy that helps you build wealth is not the same strategy that helps you live on it.

Accumulation is about growth. It assumes you have time, income from work, and the ability to ride out market ups and downs. Distribution is different. Once you retire, your portfolio is no longer just growing. It is paying you. Every withdrawal matters. Market downturns matter more. Taxes matter more. Timing matters more.

If you use an accumulation strategy to fund distribution, you are taking income from money that is still exposed to volatility, taxes, and Required Minimum Distributions. That is how people with plenty of assets still feel uncertain, stressed, or forced to tighten their lifestyle when markets shift.

At Compass Financial, we help families reposition their money so it is built for the phase of life they are in now. Income becomes predictable. Taxes become intentional. Liquidity is there when you need it. Growth can stay focused on the future.

If you are nearing or already in retirement, this is a great week to pause and ask one important question.

Is my money still playing the accumulation game, or is it built to support my life today?

If you are not sure, we are here to help you find out.

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