We have created a distinctive approach to implementing investment strategies to build and maintain client wealth.
Our services can best be described as a process whereby each client’s needs are identified relative to three distinctive phases of the road to retirement. These phases serve as the starting point for developing a customized portfolio.
The first phase is accumulation, whereby the timing and amount of savings are critical. The longer an individual waits to begin saving for retirement, the more difficult it will be to achieve his or her objective. Our target return portfolios are optimal for investors to begin this process because they provide sufficient diversification using fixed-income and equity funds.
The next phase is the transition to retirement. Usually, this phase approximates fifteen years before an individual’s desired retirement. This phase involves evaluating accumulated assets, calculating the expected rate of return on those investments, and determining whether or not estimated savings will be sufficient to maintain an acceptable retirement income level. If insufficient funds exist to achieve a retirement goal, we work with clients to design a new strategy to achieve their return potential. We continually monitor and update each client’s plan annually to keep track of clients’ progress. Typically, a growth portfolio can achieve an individual’s objectives at this time.
The final phase is investing in retirement. Retiring is a big decision. Once made, managing an individual’s portfolio requires even more attention to portfolio structure since distributions must be made, and growth may be a critical element to meet future income needs. A growth & income portfolio works best during this time since active management is necessary to provide peace of mind to an individual when they want to enjoy all that they have worked for. For clients who have successfully built resources in excess of retirement needs, we offer additional strategies for legacy planning.
Why Select Us?
- Unique portfolio for each client
- Long-term plan to build wealth while meeting income needs if necessary
- Short-term portfolio decisions to avoid financial market corrections
- Performance that has met client expectations
- Responsiveness to changing financial and economic circumstances
- Third-party custodian to maintain transparency and security
- Duplicate accounting to ensure accuracy
- Low transaction costs
- Fees based on assets under management