Our Process (For Retirement Income)

What’s So Different About Retirement Income Investing?

Congratulations, you made it! You’ve saved wisely throughout your working years using patience and discipline – you’ve ascended safely to the summit. But there is another side to this metaphor - the descent safely back. This can be likened to withdrawing your retirement savings for income and legacy for possibly three more decades post-retirement. Climbers who summit Mt. Everest know that most deaths occur on the descent due to unplanned random hazards*. Likewise, many retirees have experienced the hazards of volatile markets that have depleted many retirement accounts much too prematurely.

While stock-based investments can potentially provide the best returns, overall, to fuel the growth of our investments during accumulation, we live our lives in the short and medium run when we withdraw the funds in retirement. In those runs, stock investments can be disastrous and ruin your life, particularly if your portfolio has all stock and bond-based financial instruments. During periods of extreme market stress, these investments tend to be highly correlated, meaning they move down together.

What’s the remedy? Portfolios that include product diversity beyond stock and bond-based investments are a start. Next, arranging these investments into time-segmented portfolios to produce durable income. TIME SEGMENTS - VIDEO
* Source: Science News Dec. 15, 2008 


Our Process uses Time-Segmented Asset Allocation

Time-Segmented Asset Allocation® (also called the Bucket Allocation Strategy®) is a unique way of financial and retirement income planning. At its core, we match our client’s assets to their income and liabilities. Put simply, we create a strategy that provides inflation-adjusted income that addresses risk by giving equities time to potentially grow untouched, using an “endowment-style” process. This approach allocates assets into different time segments based on the period when those assets are expected to generate income.

Strategy-driven Process

Many retirees have a certain discomfort about the preservation of their retirement assets after spending a working lifetime building those assets to supplement their retirement income. Additionally, diminishing pensions increase this discomfort. They desire a portfolio using investments that will provide income for their lifetime and beyond. The strategy-driven approach we use to generate retirement income incorporates a time-segmented retirement income distribution process that aims to provide investors with stable income and growth, using investment products that complement the strategy. TIME SEGMENTS - VIDEO

Our Strategy

Time-Segmented Asset Allocation® seeks to provide investors with stable, predictable income while providing time for potential future growth. We use time-tested principles that are used by institutional and endowment organizations and make them accessible to all investors. We mathematically calculate your risk, inflation-adjust your income, and strive to ensure a secure legacy. What results is a process that is intuitive and very understandable.

Next Step

A financial plan needs to focus as much attention on wealth distribution in retirement as it does on wealth accumulation during one’s working years. Now that you have successfully accumulated your retirement assets, the only task before you are to create your secure income distribution strategy. Let us create a Bucket® strategy for your review. 


Asset allocation does not ensure a profit or protect against a loss. 

No strategy assures success or protects against loss.