OUR PHILOSOPHY
Core Beliefs on How To Build A Retirement Income Portfolio
That Can Actually Accomplish What You Want!
We believe that most conventional options for managing a person's money during retirement are simply incapable of solving all of the needs and requirements of the modern retiree.
We believe that too much emphasis is being placed on individual products, such as annuities or mutual funds, as if these vehicles (individually) are capable of meeting all of someone's retirement needs when they simply can not.
We believe that many annuities are legitimately good at providing secure, lifetime income, but are not very good at producing necessary growth and inflation protection. Therefore, annuities should be used as part of a greater overall plan and should not be viewed as a stand-alone solution by themselves.
We believe that professionally managed (tactical) stock-market portfolios can provide healthy, long-term upside growth potential and can be very effective at preserving principal while still allowing for a high degree of downside risk protection.
We believe that the right MIXTURE of carefully chosen annuities AND managed stock market accounts can create a blended portfolio that is capable of producing stable growth, increasing income, preservation of principal, and flexibility ALL AT THE SAME TIME! These are the types of custom portfolios that we build and manage for our clients.
Taking A Closer Look At Why So Many People Are Frustrated and Confused
When It Comes To Finding The Right Option For Generating Income During Retirement.
When considering an annuity for retirement income purposes, many consumers are initially intrigued by the idea of having a guaranteed lifetime income stream, but oftentimes become rather disenchanted after learning that most annuities also tend to have relatively low upside growth potential, level income payments (no inflation adjustments), and little to no liquidity/flexibility.
When considering a stock market-based portfolio for retirement income purposes, most retirees like the idea of unlimited upside growth potential, but often feel genuine concern with how unprotected their money is from a potentially serious market downturn.
Many retirees feel pushed and pulled all over the place by competing advisors or by commission-driven product salespeople that are not held to a fiduciary standard of advising their clients based solely on the clients’ needs and best interests and not their own potential compensation.
This reality can and does create a substantial amount of confusion in the mind of the client as to which “option” they should really be considering for best meeting their retirement objectives, and sadly can often lead to a retiree feeling pressured into a buying decisionthat they may ultimately come to seriously regret.
Additionally, we believe there is a serious void within the financial planning community when it comes to advisors being truly skilled at not only helping clients transition correctly from the accumulation phase of life into the income/preservation phase of life, but also adhering to the fiduciary standard of placing their clients' best interest about their own.
In spite of the frustrations that so many retirees have experienced with their investments in recent years, there are still sound methods available for achieving growth, income, and preservation of principal within a portfolio with limited downside risk.