We specialize in Income Distribution Planning for Retirement, because achieving a secure and comfortable retirement involves more than just building up assets. It requires navigating a range of complex decisions—such as when and how to claim Social Security and pension benefits—and developing a well-thought-out plan to turn your investments into a reliable income stream. At the same time, it’s essential to account for the many uncertainties retirees may face, including healthcare costs and unexpected family responsibilities like supporting adult children.

Income Distribution Planning is the process of transitioning from the Accumulation phase (your working years) to the Distribution phase (your retirement years). This means creating a personalized strategy for converting your savings into sustainable income throughout retirement.

We are part of the Advanced Time Segmentation ® (ATS) network and use the ATS ® Strategy to create Retirement Income plans for our clients. ATS ® is a specialized strategy that matches unique retirement income needs with time-segmented investments.

Retirees face 3 major risks:

1. Longevity Risk – living longer than planned
2. Market Volatility – poor market returns (especially early in retirement, known as Sequence of Returns risk) that lead to reduced portfolio value
3. Spending Shocks – large expenditures, possibly depleting assets

Retirement Income Planning is the field of Financial Planning that addresses these risks. We believe the best way to mitigate these risks is with a segmented, safety-first approach. You could spend 20+ years of your life in retirement; you shouldn’t have the same strategy for Year 1 money as you do for Year 20 money.

Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested.  No system or financial planning strategy can guarantee future results.