Composing Your Own Financial Symphony: Five Concerns Facing Retirees Today and Four Simple Strategies to Address Them

Have you ever gone to a beginning band concert? It’s certainly a thing to behold—the percussion is off beat, the reed instruments are all out of tune, and it’s better to just forget the noise coming from the tubas. The experience seems positively lightyears away from sitting down to a night of relaxation at the symphony.

The difference between the discord of beginning band and the coordinated harmony of advanced symphonic orchestras is similar to what can happen to a retirement portfolio. When pieces of a plan are slapped haphazardly together, the result is chaotic, messy and unpleasant. But, when pieces are conducted correctly together, they balance each other out for a retirement income strategy that is downright magnificent.

Author Mark Lloyd brings his decades of experience as an independent financial advisor to bear on what contributes to the success—or failure—of Americans’ retirement income strategies. From outlining common missteps to showing how to correct or work around them, Mark takes a nuanced approach to helping readers understand what goes into Composing Your Own Financial Symphony.

About the Author

Mark A. Lloyd, CEP®, RFC®, has been developing comprehensive retirement and estate plans for more than 25 years. As the principal owner of The Lloyd Group, Inc., he is devoted to serving his many clients, making sure his firm stands as a constant even as clients’ life situations change.

In addition to furthering his own continued education, Mark has dedicated himself to informing consumers throughout the country. Mark is the host of the nationally aired radio program, "The Financial Symphony," as well as the television show, "The Financial Symphony." His work has appeared in media outlets such as The Wall Street Journal, Yahoo Finance, U.S. News & World Report, Kiplinger.com and many others.