Our Process in Two Minutes

Building a Secure Retirement Plan in 3 Simple Steps:

1. Maximize Your Social Security Filing Strategy:
   • Using a proprietary calculator, compare multiple filing options (especially for couples) to optimize benefits. You get one chance to do this…make sure you know all of your options before filing. Many have discovered that this can make a big difference.
     
     
   • Maximizing the social security monthly benefits can reduce the “drain” on your retirement assets. Higher withdrawal rates can directly affect asset longevity.
     
     
2. Analyze Retirement Income Needs:
   • Using optimal social security income stream (from step 1), run a retirement income analysis to determine if your assets can cover the gap between Social Security benefits and living expenses. More people are living into their nineties than ever before. Plan with that in mind.
     
     
3. Protect and Grow Your Assets:
   • After completing steps 1 & 2, we recommend creating a time-segmented portfolio for different stages of retirement income. Time segmentation of assets provides for short-term cash-flow, while allowing for longer-term needs to be invested for growth. This can help to mitigate short-term market volatility while managing long-term inflation risk.
     
     
   • Employ a rules-based approach to the portfolio design of each retirement stage. This 3 Step Strategy helps to build higher confidence in uncertain market conditions.