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Advanced Time Segmentation®

Advanced Time Segmentation®

Advanced Time Segmentation® is a different way of looking at and presenting financial planning. At its core, we match our client’s assets to their income liabilities. Meaning, we lay out a strategy that creates inflation-adjusted income that addresses risk by giving equities time to potentially grow untouched. This approach allocates assets into different time segments based on the period of time when those assets are expected to generate income.

A strategy-driven practice

Most retirees or pre-retirees with a wealth accumulation strategy, hunger for stability and are attempting to avoid risk. They strive to build their portfolio on investments that will provide income for their lifetime and beyond. Strategy-driven firms have adopted an approach to retirement planning that incorporates time segmented retirement income distribution, a strategy that aims to provide investors with stability, growth and income.

Our Strategy

Advanced Time Segmentation® seeks to provide investors with stable, predictable income while giving time for future possible growth. We take principles that were exclusive to the wealthy, and make them accessible to everyone. We mathematically calculate your risk, inflation-adjust your income, and strive to ensure a lasting legacy. We do all of this by implementing a strategy with every portfolio so that time is on your side.

*The guarantee of this income is backed by the claims-paying ability of the issuing insurance company.

Building Confidence

A financial plan needs to focus as much attention on wealth distribution in retirement as it does on wealth accumulation during one’s working years. A successful time segmented wealth distribution plan is designed to provide confidence for retirees into their 80’s, as it did in their 60’s.

Advanced Time Segmentation®

Advanced Time Segmentation® is a strategy that matches unique retirement income needs with time-segmented investments. This approach segments retirement assets into certain categories. The categories are based ON the period of time in retirement when the assets are expected to generate income.

Segment #1: Immediate Income

Segment #1: Immediate Income

This segment is designed for income, and is where your short-term-assets are matched to your short-term liabilities. A portion of this segment is invested in vehicles designed to provide income for life. The remainder of the segment is invested in strategies designed to be spent over a five to seven year period, thus buying time for potential growth in the remaining segments.

Segment #2: Future Income

Segment #2: Future Income

This segment is designed to replenish the fixed-income portion of segment one, resulting in additional time for the long-term investments in segment three to grow. In this segment, mid-term assets are matched to mid-term liabilities. This helps create a bridge between income in segment one and long-term growth in segment three, featuring a typical time horizon of 7 to 15 years.

Segment #3: Long-Term Growth

Segment #3: Long-Term Growth

This segment is designed for long-term income and growth, with a typical time horizon of at least 15 years. In this segment, your long-term assets are matched to long-term liabilities. By withdrawing assets from segments one and two, segment three investments can be left untouched to satisfy your long-term retirement needs.

Investments for life’s different stages

Investments for life’s different stages

In its simplest form, the strategy seeks to match your assets to your liabilities by organizing your investments into three segments. These segments are designed to correspond to your needs during different periods of your life. You start by spending down the first two segments while allowing the third segment, comprised of riskier, more volatile investments, the time it needs to potentially grow.

We encourage you to contact us to discuss your specific needs and questions. We look forward to helping you attain your dreams and financial goals.

Whether you are just interested in learning more, are ready for a full Financial Goals Meeting, or a client set for your next review, schedule time below!

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Mutual Funds, Variable Annuities, and alternative investment such as non-traded real estate investment trusts are investments involving risk and are offered through the appropriate prospectus only. Before investing, clients should carefully consider the investment objectives, risks, charges and expenses of the investment and its underlying investment options. Many of these investments include substantial and ongoing expenses which are borne by the purchaser, including sales charges or commissions, management fees, and distribution expenses. The prospectuses contain this and other important information. Please contact your financial advisor or the appropriate investment company to obtain the prospectus for such investments. Please read the prospectus carefully before investing.

Annuities are long-term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax, and, if taken prior to age 59 ½, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. An investment in the securities underlying a variable annuity involves investment risk, including possible loss of principal. The annuity contract, when redeemed, may be worth more or less than the original investment. The purchase of a variable annuity is not required for, and is not a term of, the provision of any banking service or activity. Guarantees and payments to annuity holders are subject to the claims-paying ability of the issuer and are subject to their terms and conditions.

All investing involves risk, including the potential loss of the principal amount invested.  Past performance is not indicative of future results. No strategy can ensure a profit or protect against loss.