Your retirement journey features many stages: proper planning, accumulating wealth, and retirement. Consider each stage as if you were competing in the Vendee Globe: a 29,000 mile solo, unassisted sailboat race around the world. To succeed, you must diligently prepare, acquire the tools to effectively manage the voyage, and then, seek guidance on how to complete the race. Sailing the world’s most dangerous oceans is no easy feat, the real risks occur when sailors must adapt to changing sea conditions. In its 32-year history, less than 100 people have finished this race. Unfortunately, this example illustrates too often the struggle for people approaching retirement without proper guidance to efficiently spend their money and adapt when things change. At Oxley Capital Management, we strive to be your financial guide to success through each stage of retirement.