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Right-Timing Retirement Transitions
A toolkit for cash flow conversations ahead of Social Security.
Where Retirement Confidence Is Won or Lost
When should I take Social Security?
The years between retirement and Social Security are a high‑impact transition, yet often under‑designed. Clients lose a steady paycheck, see portfolio withdrawals for the first time, and become more sensitive to market volatility all at once. When interim income is funded loosely, confidence can erode even when delaying benefits makes financial sense.
Our toolkit gives advisors a framework to move beyond timing and into structure. With a defined horizon, a clear income need, and capital aligned by purpose, the conversation shifts from uncertainty to disciplined action.
Download the toolkit for cash flow conversation guide.
Download the toolkit to explore:
- How to frame the right conversation around Social Security beyond a single timing decision
- How to create a structured bridge approach to align to the client cash flow needs
- A guide on implementing the right structure approach
Want to learn more?
Contact your Northern Trust Asset Management Market Leader at 855-353-9383.
Before investing, carefully consider the investment objectives, risks, charges, and expenses. This and other information is in the prospectus and a summary prospectus, copies of which may be obtained by visiting www.flexshares.com. Read the prospectus carefully before you invest.
The FlexShares ETFs, registered with the United States Securities and Exchange Commission under the Investment Company Act of 1940 are distributed by Foreside Fund Services, LLC, not affiliated with Northern Trust. The Northern Trust ETFs, registered with the United States Securities and Exchange Commission under the Investment Company Act of 1940 are distributed by Northern Funds Distributors, LLC, not affiliated with Northern Trust. FlexShares ETFs, and Northern Trust ETFs, (the “Funds”), are managed by Northern Trust Investments, Inc.
All investments are subject to numerous risks, including possible loss of principal. Fund returns may not match the return of the respective indexes. The Funds are subject to the following principal risks: asset class; authorized participant; calculation methodology; commodity; concentration; counterparty; currency; derivatives; dividend; emerging markets; Environmental, Social, Governance (ESG); equity securities; financial sector; fluctuation of yield and principal payment risk; foreign securities; fund termination risk; geographic; high portfolio turnover; income; industry concentration; inflation; infrastructure-related companies; interest rate; issuer; liquidity; large cap; management; market; market trading; mid cap stock; MLP; momentum; municipal investment risk; municipal market volatility risk; natural resources; new funds; non-diversification; passive investment; privatization; securities lending; small cap stock; tax liability risk; tracking error; value investing; and volatility risk. A full description of risks is in the prospectus.
Individual investors should contact their financial advisor or broker dealer representative for more information on the Funds.
Investment Products and Services are:
Not FDIC Insured | May lose value | No bank guarantee
All registered investment companies are obliged to distribute portfolio gains to shareholders at year-end regardless of performance. Trading ETFs will also generate tax consequences and transaction expenses. The information provided is not intended to be tax advice. Tax consequences of dividend distributions may vary by individual taxpayer.