Reliability of Income Profile™

We believe that as early as ten years leading upto your expected retirement date is when you need to begin preparing your potfolio for retirement.  The decisions you you make (or neglect to make) today can determine the degree of success you experience. Watching our clients transition from their earning years when we’ve focused on asset accumulation into their retirement years has always been a rewarding part of our business. We appreciate your confidence in us to act as your financial guide and counsel. 

 As challenging as that accumulation phase can be, planning which retirement assets to tap when, and with what tax and investment consequences, can be overwhelming. Distribution planning often involves reallocating or even liquidating investments to provide cash flow for daily living expenses, to avoid as much in taxes as possible, to account for potential market downswings and to consider the possibility that you and your spouse may live longer – much longer – than you expected.

Positioning your portfolio for the distribution years means we need to take into account your thoughts and feelings on two important factors: your responses to volatility in your retirement portfolio and your level of desire to have a guaranteed portion of your investment. Addressing these emotional and intellectual components of planning at the beginning of distribution planning process can alleviate much of the worry about outliving your money.

Our prosses are designed to give you  a greater sense of your Reliability of Income through the use of our Reliability of income Profile™. Your answers to the questions in the ROI Profilewill help us have a productive conversation about your thoughts and perceptions as you near or enter the distribution phase of your retirement planning. It will then help lead us to the most appropriate recommendations for positioning your portfolio during this distribution phase.