Simplified Macro Asset
Reallocation Technique.
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Partners that understand your LIFE and MONEY
Constructing your investment portfolio using best-of-class, investment selection committees (often referred to Separately Managed Accounts or SMAs) can be tremendously advantageous if an investor has sufficient funds and can meet the account minimums required. Here are some of the key advantages:
Based on your responses, you could benefit from a 10-point risk analysis.
Good Job! Looks like you have checked all of your retirement blind spots!
Get your FREE report hereAt retirement you will begin taking withdrawals from your investments. The timing of these distributions with the timing of market volatility could have a significant impact on your portfolio's outcome. Modern Portfolio Theory was developed in 1952. These principles applied In 2020 may not work for the today's retirees. The most current "Safe Withdrawal Rule" demonstrates a 95% probability for success in retirement if you limit your withdrawals to 1.93% of your retirement portfolio each year. Ridiculous.
S.M.A.R.T. Investing® is the solution. It’s a proprietary, mathematical approach to retirement investment allocation and dynamic distribution modeling. Designed to provide the balance required for short-term withdrawals and long-term investment performance during retirement. Providing peace of mind in up or down markets during the distribution phase of your retirement.
Money we deposit into a financial institution (a preferred bank or credit union). We intentionally sacrifice performance for liquidity, contract guarantees, and principal protection. We keep sufficient to meet our very short-term spending and emergency needs, but not so much that we are exposed to inflation or opportunity costs.
Money we lend to a financial institution for a period of time in exchange for contract guarantees and a volatility buffer. Sacrificing some liquidity for improved performance potential while retaining principal protection and contract guarantees.
Money we invest in “the market” using asset managers that employ tactical strategies. With the philosophy of “winning by not losing” as their basis, these tactical managers select which investments and when to buy or sell them by monitoring key economic indicators. They adhere to disciplined strategies designed to minimize downside capture in declining markets.
Money we invest in “the market” using asset managers that follow a fundamental philosophy of due diligence at the individual company level. These managers analyze a company’s financial statements, balance sheet, P&L, P/E and forecasted revenues to determine if there are growth or value opportunities that are not being priced correctly in the capital markets. Once they identify the right candidates, they buy those stocks and put them directly into your portfolio. When the markets decline, these managers don’t often react.
A GPS is a helpful tool that can navigate you safely to your desired destination. Think of our team like a GPS system for your retirement.
The first thing a GPS needs is information. Where do you want to go? How much fuel do have? How fast do you like to drive? Do you prefer freeways, city streets or scenic highways?
A GPS can triangulate precisely where you are now in relation to your goals & warn you about dangers you can’t see: road construction, speed limits, traffic conditions, and accidents. Its Important to know your blind spots.
A GPS is much more than just a map. It has the tools to calculate multiple route options, and identify the optimal course, customized to your unique objectives & preferences.
You may need to make a few lane changes to get on the optimal route. A GPS assists in making necessary adjustments to get you on the right track.
If goals or conditions change the GPS recalculates your route staying with you every mile to ensure you get to your destination safely and efficiently.
There are thousands of licensed advisors in our industry. With so many advisors and conflicting opinions on wealth management, it may feel overwhelming to know whose advice you can trust. One suggestion we have is to reference these regulatory agencies and accreditation sites to do a little research on your advisors.