Tim Stearns, CFP® discusses how to make retirement secure and confident without the risk of running out of money. Tim Stearns, CFP® discussed the safe withdrawal rate and the importance of having a plan with investments that have stop-losses. He also discussed the need to actively manage investments and the potential of a written Income Allocation plan. Tim Stearns, CFP® discussed the importance of having a plan in place to ensure a successful retirement, such as the Protect and Grow Written Retirement Income Plan. Tim Stearns, CFP® discussed the importance of budgeting, investing 15% of household income, and understanding the income gap and sequence of return risk. He also discussed the importance of dollar cost averaging, minimizing taxes, and the need for increasing income. Tim Stearns, CFP® discussed the risks of retirement, such as taxation, medical bills, and inflation, and how to plan for them. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.