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Diversification keeps John in control

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John O., age 64
Hayden, Idaho
Married, two children
"I've been preparing for retirement since 1974. I wasn't going to rely on anyone else."

John's Tips

  • Move to an area with a lower cost of living.
  • Don't expect help from anyone. Plan like Social Security and pensions won't be there.
  • Diversify: real estate, stocks, mutual funds. Do what you can to mix up your portfolio.


  • Planned to fund retirement with his own savings. John considered Social Security and pensions a bonus.
  • John is tracking the stock market; he's ready to get back in when the time is right.

John has taken a proactive approach to retirement, taking control of his portfolio since the start of his career.

"I don't like the idea of being poor. I didn't want to rely on the government to take care of me. If my wife and I got Social Security benefits and she got a pension, that would be a plus. But I wasn't going to rely on anyone else."

Staying focused through difficult times.

"My wife is a flight attendant; she lost pensions from both Pan Am and United. Instead of a pension, United started a 401(k). But, it won't pay out what she would have gotten in a pension. No matter how much planning we've done, we've been assaulted pretty badly.

"There's nothing I would have done differently. I had a broad range of investments: rental property, our home, stocks, mutual funds, small-cap, large-cap. We sold our house in California in a hot market and moved to Idaho where the cost of living is lower. If you stay focused, you can retire comfortably."

Take the Next Step.

Let's talk about the retirement you want.

Call 877-673-7970 for your complimentary retirement consultation.