Smart Planning

"Someone's sitting in the shade today because someone planted a tree a long time ago."
-Warren Buffet

Freedom to Choose

We have access to and utilize investments from some of the largest and most well known instituitons in the world such as Vanguard, Black Rock, J.P. Morgan, American Funds, Invesco and more. As an independent investment fiduciary, we have the freedom to allocate our client's portfolios how we see most fit without any pressure to choose proprietary funds or products. 

Retirement Income Planning

Did you know that significantly more people are injured descending Mt. Everest than climbing up it? Building wealth requires much patience and careful planning. Making sure that nest egg lasts forever takes even more guidance. Our retirement portfolios strive to provide for tax efficient withdrawal methods that aim to allow retirees the comfort of knowing that no matter how long they live, their money will out-live them.

Buckets Approach

During the accumulation phase, it is important to save money over time using a "dollar cost averaging" * approach. A good way to do this is to incorporate saving into your monthly budget. Always spend a little less than what you bring in! However, during the decumulation phase, you must be strategic with where you are getting your spending money from. This is why we use a Buckets approach to investing. With a typical 3-Bucket retirement plan we are able to earmark short-term money (Bucket 1), mid-term money (Bucket 2) and long-term money (Bucket 3). This eliminates the risk of market timing and allows you to maintain a steady income throughout retirement without worrying about the daily fluctuations of the markets.

 

 

*"Dollar cost averaging" involves continuous investment in securities regardless of fluctuation in price levels of such securities. An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.