Accumulation vs. Preservation Strategies

Kristian Finfrock
2 min readJun 23, 2021

The article and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your accountant, tax, or legal advisor with regard to your individual situation.

With the economy constantly changing, especially during the age of Coronavirus, many people would like to have a financial plan that will help them adequately navigate through the turbulence of today’s economy. There are dozens of regulations and changes that are being added to taxes each year, and it is essential to stay on top of the modifications so that you can know what you should do with your money. Many retirees do not have a set plan for their finances, and they would benefit from proper counsel. Below, we will look at the difference between accumulation and preservation techniques for your future financial plan, as featured in an article on Legal Advisory Services .

When you are from the ages of 20 to 55, it is greatly recommended that you seek out an accumulation specialist. They are the financial advisors that get you started and help you maintain building your wealth and saving it. They assist in many different methods to do so, and their main strategy is to help you grow your money for retirement. For younger people especially, will first get started with a savings plan along with a budget to maintain it. They help you to understand dollar cost averaging and how to invest in the market while holding a standard of suitability. They also help you to understand stocks and bonds and rebalancing your portfolio when need be.

Once you pass the age of 55 or are within 10 years of your retirement goal, it is time to consider working with a preservation or distribution specialist to assist you in the transition from working to retirement. They often provide investment advice and comprehensive retirement planning. This may include choosing strategies for social security, pensions, annuities, and income plans with a monthly budget to effectively allocate your retirement savings throughout the rest of your life. They may also advise on minimizing taxes on retirement income, estate planning,

Medicare and long-term care considerations and other elements to provide for a fulfilling and

comprehensive retirement plan.

Securities offered through Kalos Capital, Inc. and Investment Advisory Services offered through Kalos Management, Inc., both at 11525 Park Woods Circle, Alpharetta, GA 30005, (678) 356–1100. Retirement Income Strategies is not an affiliate or subsidiary of Kalos Capital, Inc. or Kalos Management, Inc.

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Kristian Finfrock

Located in Madison, Wisconsin, Kristian Finfrock is the Founder of Retirement Income Strategies and a local radio show host. Learn more @