Broker Check

At 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.

Saved

Saved

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.

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Protected

Protected

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.

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Defensive

Defensive

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.

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Growth

Growth

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.

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Download the SMART Retirement Guide

A mathematical approach to retirement investment allocation and dynamic distribution planning. Designed to achieve peace of mind by balancing the need for short-term withdrawals and long-term performance.

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