As you get closer to retirement, your priorities change. You've spent a considerable amount of your working life accumulating a sufficient nest egg, but now you have reached the point where you must focus on preserving what you've accumulated. When retirement starts and your working income stops the day-to-day expenses continue, and it is from this nest egg that you must generate or replace your income. To effectively meet such needs, you need a strategy to help manage the different risk factors that can affect your retirement. The three main risks are longevity, inflation, and sequence of return. A well built strategy is one that is strong enough to support your retirement income plan while leaving room for adjustments as your needs change. A retirement income strategy that addresses the need for growth potential, access to liquid assets, and predictable income can strengthen your plan and help you feel more confident about your future. The key is to find the right balance between the three building blocks for a sound retirement so they can help you mitigate the retirement risks.Securities, financial planning, and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC. Member FINRA & SIPC. Statera Retirement is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies. Supervisory Office: 11350 McCormick Road, Executive Plaza IV, Suite 200, Hunt Valley, MD 21031 , (410) 785-7654 We have individuals registered to offer Securities in: CO, DE, District of Columbia, FL, GA, IL, KY, MA, MD, NV, NH, NJ, NY, PA, SC, TX, VA, VT, WA, and WV We have individuals licensed to sell Insurance in: AZ, CO, DE, District of Columbia, FL, GA, KS, MA, ME, MD, NJ, NY, NV, NC, OH, PA, SC, TX, VA, VA, WA, WV, and WY