Reliable Retirement Investments

Kristian Finfrock
2 min readJun 4, 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.

For many years now, retirees and pre-retirees have been searching for opportunities with extra yield on fixed-income investments in the low-interest environment. If you expand your goal from earning more interest in your savings to reliability increasing your financial security in retirement, then you might find creative ways to grow your savings.

Let’s take a look at some unconventional retirement strategies that have the power to beat current bank accounts and yields on bonds.

Social security bridge fund

For many people, one of the best ways to save enough money for retirement is to hold off on taking money out of your social security benefits for as long as possible. If you need to replace that income, you can set up a social security bridge fund with part of your retirement. You can use these funds to pay yourself with the same amount of money as your social security benefit. Doing this will help you increase your lifetime retirement income.

Pay off your mortgage

If you’re paying your mortgage at a 5% interest rate or more, then paying your house off is just like earning a fixed rate of 5% or more each year. There are many considerations to think about before deciding to pay off your mortgage. One of them being the source of the saving and whether it’s been taxed or pre-taxed. Other things to consider are your preference for liquidity and your marginal income rate. Try comparing your current yield on a fixed income to your mortgage interest rate.


Although you might have enjoyed raising your family in that large home in the suburbs, that might not be the place where you want to settle down for retirement. Housing is one of the most significant living expenses for most retirees. If you have a limited retirement income coming in and struggle with paying bills, then it might be time to consider looking for a smaller home . There is always another home that costs less than what you have now and can come with lower maintenance. If you make this move, there will be quite an amount of work to be done, but it can be very beneficial. This investment can help you reduce living expenses for many years to come.

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 @