INDIVIDUALS

Individual Retirement Planning

HOW MUCH DO YOU NEED TO SAVE?

If you are in the middle of your career, saving enough money and investing wisely are key concerns. To address these concerns, we offer financial planning to chart the course and investment management to execute your strategy.

HOW MUCH CAN YOU SPEND?

As you get closer to retirement, limiting market risk and accurately projecting the amount of income you will have during retirement become planning priorities. Financial planning is the key to developing a strategic plan. Executing the plan through our investment management services can help you achieve your desired result. We use probability analysis (Monte Carlo Simulation) to determine the likelihood that you will reach your objectives, and to evaluate alternate savings, spending, and investment scenarios. MCS helps us to manage your portfolio so that you are not exposed to more risk than is necessary to achieve your objectives.

GROWING YOUR INCOME WHILE MANAGING RISK AFTER RETIREMENT:

Our investment management process has achieved excellent investment returns at lower than market risks. More information is available by clicking on the above links. Our services can be tailored to meet your personal needs.

Risk reduction is critical to protecting income. We utilize a number of risk reduction techniques:

Active management--assessing the markets to control exposure to equity or interest rate risk
Use of covariant asset classes (out of phase assets) to lower volatility by effective diversification
Establish loss limits in the event of sustained bear market conditions
Screen for corporate malfeasance on portfolio holdings for the purpose of recovering losses
Create laddered bond portfolios to isolate income assets from more volatile growth assets
Use option strategies--collars, puts, and calls at the option of the client to insure the portfolio

For more information, click on Our Process.