This Time Really is Different… (Retirement Spending V. Retirement Saving)
If you think of Retirement Saving as climbing a Mountain…Retirement Spending is hiking down that Mountain…
Accumulation Phase
We call the Trek up that Mountain the Retirement Accumulation Phase. We build our Investment Portfolios to maximize how much we Accumulate. Time is our Friend…The Earlier we begin Saving & Investing the Better! Every time the Market Hiccups, We get to Buy more Shares on Sale!
Decumulation Phase
The Hike down that Retirement Mountain’s Backside is called the Decumulation Phase. Time is your Enemy. Every time the Market Hiccups, Your Precious Nest Egg Shrinks…and You must Spend a Greater Share of it to maintain your Lifestyle. It’s Scary… You want to make Darn Sure you don’t make it to the Bottom of the Mountain before you Pass Away!
Retirement Paycheck
During your Decumulation Phase, You need a Portfolio Strategy that delivers a Reliable Monthly Paycheck. We use a Scientifically-based, Proven Retirement Income Planning Approach to Build You a Customized Plan.
One-Size Does Not Fit All
It’s like Building you a Custom Home. We Identify the Proper Strategy for an “Income Floor” from Guaranteed or Low-Risk Sources. We Carefully Construct the Remainder of the Income Plan to Deliver Your Retirement Paycheck from your other Assets.
We Manage your Assets, Liabilities, and Cash Flows with an Eye toward minimizing a Broad Range of Retirement Risks.
Our Goal
Our Goal is to Make Sure You Don’t Run Out of Money Before You Run Out of Life…But, at the Same Time, Making Sure You can Spend Your Money with Confidence and Without Life Regrets!
After All…Wouldn’t You Rather Just Enjoy that Beautiful Mountain Scenery on Your Hike?
