---
title: Prudent Planners Use the Three M's for Retirement Portfolio Success
description: Prudent Planners Use the Three M's for Retirement Portfolio Success - John Florance, E4 Senior VP of Annuities
---

[NAIFA-Wisconsin Blog ](https://wi.naifa.org/blog)

# [Prudent Planners Use the Three M's for Retirement Portfolio Success](https://wi.naifa.org/blog/prudent-planners-use-the-three-ms)

 Written by [John Florance, E4 Senior Vice President of Annuities](https://wi.naifa.org/blog/author/john-florance-e4-senior-vice-president-of-annuities) | 10/7/21 7:52 PM

2020 marked the half-way point of the Baby-Boomer generation’s retirement process. The early Boomers began pulling out of the workforce in 2010, and the later ones will continue to begin their retirements for the next 10 to 15 years. The generation before the Boomers, known alternately as Traditionalists, Matures, and “The Greatest,” are at the end of their lives on this planet.

Read the full article adapted from NAIFA member John Florance's upcoming book " The Biggest Paycheck" below.

[View full post](https://wi.naifa.org/blog/prudent-planners-use-the-three-ms)

```json
{
  "@context" : "http://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "John Florance, E4 Senior Vice President of Annuities"
  },
  "dateModified" : "2021-10-07T19:52:54.230Z",
  "datePublished" : "2021-10-07T19:52:54Z",
  "headline" : "Prudent Planners Use the Three M's for Retirement Portfolio Success",
  "image" : {
    "@type" : "ImageObject",
    "height" : 678,
    "url" : "https://f.hubspotusercontent20.net/hubfs/2635471/finding%20success%20in%20the%20chinese%20american%20market.jpg",
    "width" : 960
  },
  "mainEntityOfPage" : "https://wi.naifa.org/blog/prudent-planners-use-the-three-ms",
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "height" : 60,
      "url" : "/hs/hsstatic/content_shared_assets/static-1.4092/img/default-amp-logo.png",
      "width" : 60
    },
    "name" : "NAIFA-Wisconsin Blog"
  }
}
```