Broker Check

Time Segmentation of your assets into "Buckets"

We will develop a customized, personal asset allocation. Your assets will be segmented into "buckets," based on time Segmentation, in other words, when you will need to access your money. We will then incorporate different estate planning tools as needed.

This approach segments retirement assets into three categories based on the period of time in retirement when the assets are expected to generate income.

Immediate Income

5-7 Year Period

Short-term assets matched to your short-term liabilities

Future Income

7-15 Year Period

Designed to replenish the fixed income portion of segment one.

Long-Term Growth

15+ Year Period

Long-term assets are matched to long-term liabilities