Personally Invested In Your Future™

HOW ARE WE DIFFERENT?

OUR PROPRIETARY TOOLS

THE RETIREMENT BALANCING ACT™

Understanding and establishing the right mix of risk tolerances, objectives, timelines and external factors allow us to shape a personalized retirement strategy suited to your priorities and your preferences.
Our Retirement Balancing Act™ provides a steady and measured approach, effectively managing the various factors impacting retirement, observing topical trends without sacrificing the learned past.

BALANCING A PERSONALIZED RETIREMENT STRATEGY

ASSET BASE

LIFESTYLE

PORTFOLIO ALLOCATION

THE RETIREMENT SHOCK ABSORBER®

The Retirement Shock Absorber® is a proprietary financial and retirement planning tool we utilize
to help plan for the unavoidable events we experience in life and the markets. Our planning is built to anticipate the inevitable ups and downs of the financial markets, creating a customized vision for each family’s long-term financial success. In times of volatility, wise investors know to avoid the emotional decisions that may negatively impact a portfolio over the long-term.  The Retirement Shock Absorber® is built with the objective to help families maintain their lifestyle and financial goals, regardless of the economy or markets.

INVEST WITH A PLAN™

1

Illustrates a Hypothetical Retirement Plan and Portfolio within the context of a constantly fluctuating market environment without the benefit of buffer against the inevitable and uneven market fluctuations that occur in reality.

2

Illustrates a Hypothetical Retirement Plan that takes into account the unpredictable nature of the markets by applying The Retirement Shock Absorber®.

THE WITHDRAWAL STRESS TEST™

The Withdrawal Stress Test™ helps determine your portfolio’s sustainability over the course of retirement
or another extended timeframe. Your withdrawal rate is calculated by dividing total annual withdrawals by portfolio value. The lower the withdrawal rate, the more viable and flexible the portfolio in market volatility.

WITHDRAWAL RATE

(PORTFOLIO)

ASSET ALLOCATION

THE DISTRIBUTION PHASE OF A PLAN

This chart illustrates the theoretical sustainability of an investor’s portfolio depending on the rate of withdrawal. Theoretically, a portfolio with a lower withdrawal rate is likely more sustainable over a longer time-frame. In addition, a lower withdrawal rate affords the investor the ability to likely withstand more stock market volatility.

THE RETIREMENT TAX FILTER®

Our comprehensive wealth management approach includes evaluating your composite income
sources within your tax liability landscape. Through this inclusive perspective, we can best determine
your tax situation and provide you solutions, such as yearly tax-loss harvesting to offset
taxable gains or other strategies that may help minimize your tax gain.

RETIREMENT ACCOUNTS
RETURN OF BASIS
INTEREST & DIVIDENDS
CAPITAL GAIN/LOSS
PENSION & SOCIAL SECURITY
EARNED INCOME

TURN ON OR OFF FLEXIBLE SOURCES OF INCOME

GOAL: MINIMIZE TAXES

BENEFIT: LESS TAXES = MORE MONEY

THEREFORE, MORE OPPORTUNITY TO DO THE THINGS YOU WANT TO DO

THE BUYOUT BAROMETER®

The Buyout Barometer® is our proprietary tool that helps business owners assess whether they
can sell their business and confidently pursue a successful, streamlined retirement.