Combining elements that you understand is the smartest way to create a secure retirement.

Sometimes we have all the elements for a great retirement, but until we put them together the right way, we don’t get the result we want.

retirement building blocks

I call it the H2O problem. We have plenty of oxygen in the atmosphere. Likewise, hydrogen. It seems simple, but until two atoms of hydrogen combine with one of oxygen, we will never get water.

When planning for retirement income, it is risky to wait for the right combination of elements to join on their own. They don’t just fall into place; you have to know what each can do and put them together in a way that produces a whole greater than the sum of the parts.