Phase 1: The Working Years
During this accumulation phase in which you are working, your investment goals will generally include building your wealth over the long term and providing for major expenditures, such as a home or college, along the way. Given that you are likely to be working and generating income, you may be tolerant of greater volatility in your portfolio during this time. We provide you with clear vision and directions to build your wealth!
Phase 2: Pre-Retirement
This phase is critical and often overlooked. It spans from 3-to-5 years before you retire to 3-to-5 years after you retire. The risk of a major drop in the value of your portfolio could significantly alter your life plans to retire. As a result, it is essential to minimize volatility and risk among your investments during this period. We help stabilize the value of your wealth so you are ready for retirement!
Phase 3: Retirement
In this decumulation phase of your life, you might no longer be working or generating a salary and be dependent on other sources of income to support your lifestyle. Your money needs to last your lifetime. New issues such as purchasing power, sequence of returns, longevity risk, Social Security, taxes, IRA and 401(k) rollovers, and outliving your assets rise in importance. We offer unbiased guidance so that you enjoy the retirement lifestyle you deserve!