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Retirement Income Specialists

People generally run into trouble with their retirement portfolios in the following ways: 

  1. Trying to create a sustainable monthly income for themselves, such as when they are in retirement, by timing asset sales and liquidation on an established needs-based schedule - such as a monthly distribution.  Within this type of structure, it becomes near impossible to avoid selling at low points in the market. 
  2. By engaging in too much risk to get greater interest payouts and returns in today's notoriously low interest market.
  3. Trying to pick out the big wins and long-shots for greater returns.

As retirement income specialists, our customized investment plans have primary goals of flexing with your goals and future vision to provide you with the income you need, when you need it; keep up with inflation; and help reduce the volatility of the day-to-day market.   

We use Advanced Time Segmentation Theory as the foundation of our strategic investment plans to help create sustainable income streams with cost-of-living increases while taking advantage of value-oriented investments, that on average will reasonably weather economic and market volatility and perform for conservative returns for future income needs or to become a legacy for heirs.  

The nation’s most successful educational endowments, such as those at Harvard, Yale and Stanford Universities, hold assets in excess of $1 billion and have long track records of outperforming major indices and benchmarks through many market cycles using this methodology.*  Although at the household level we don't have the advantage of long-term investments that the endowments do, the discipline and approach of the endowment investment principles can still be very effectively applied at a household level, which is our area of specialization.  

Mebane T. Faber and Eric W. Richardson. How to Invest Like the Top Endowments and Avoid Bear Markets. John W. Wiley & Sons, 2009.

Contact our office if you're curious to find out how it could work for you.