Broker Check

Time for a New Approach to Living in Retirement

Focused Goals for Your Desired Lifestyle

Focused Goals for Your Desired Lifestyle

Many financial advisors use the one-size-fits-all long-term investment plan based on systematic withdrawals. We start your long-term plan with a focus on your desired lifestyle. We focus on keeping up with inflation, and providing growth for future income. Our research-driven approach matches your retirement income needs with time-segmented investments so your investments are linked to goals serving their own purpose along a pre-planned timeline. Some investments provide for immediate income while others serve a longer-term growth strategy. Your money is purposely allocated along your time horizon.

Advanced Time Segmentation Overview

Advanced Time Segmentation is a strategic approach to portfolio design using three-segment, five-category methodology, and advanced planning strategies to assist you in selecting the most appropriate investments for your situation. 

Choose Investments for the Right Time

Our investment strategy seeks to match your assets to your liabilities by organizing your investments into three segments:  Fixed Income, Balanced Assets, and Long-term Growth. These segments are designed to correspond to your needs during different periods of your life. You start by spending down the first two segments while allowing the third segment, composed of riskier, more volatile investments, the time it needs to potentially grow.

<b>Fixed Income</b>

Fixed Income

The money that you need now goes into an “investment” bucket designed to provide immediate funds for retirement. 

<b>Balanced Assets</b>

Balanced Assets

The money that you will need later goes into a second bucket to provide the income you will need adjusted for inflation - in later years.  

<b>Long-Term Growth</b>

Long-Term Growth

The money that you’ve designated for the long term, including distributions to your descendants and charitable interests, goes into a third bucket for long term growth. 

<span style="font-weight: 400;" data-mce-style="font-weight: 400;">We are a strategy driven practice</span>

We are a strategy driven practice

Most retirees or pre-retirees with a wealth accumulation strategy hunger for stability and are attempting to avoid risk. A strategy-driven firm like ours has adopted an approach to retirement planning that incorporates time segmented retirement income distribution. This is a strategy that aims to provide investors with stability, growth and income.

Your wealth deserves a strategy®

A successful time segmented wealth distribution plan is designed to provide confidence for retirees from their 60s and beyond.

We lay out a strategy that creates inflation-adjusted income to address risk by giving equities time to potentially grow untouched. This approach allocates assets into different time segments based on the period of time when those assets are expected to generate income

We take principles that are typically exclusive to the wealthy, and make them accessible to everyone. We mathematically calculate your risk, inflation-adjust your income, and strive to ensure a lasting legacy. We do all of this by implementing a strategy with every portfolio so that time is on your side.

<span style="font-weight: 400;" data-mce-style="font-weight: 400;">A unique approach to your wealth</span>

A unique approach to your wealth

The focus of a personal financial plan is centered around your goals and objectives. Your hopes and dreams as well as your risk tolerance, fears, and concerns are explored during in-depth interviews as the first steps in preparing your unique financial plan.

View Our Approach