Retirement Income Planning

About Advanced Time Segmentation^®

Advanced Time Segmentation takes investment principles that were once exclusive to the ultra-wealthy and makes them accessible to everyone.

At its core, we match our client's assets to their income liabilities. Meaning we lay out a strategy that creates inflation-adjusted income and addresses risk by giving equities time to potentially grow untouched. This approach allocates assets into different time segments based on the period of time those assets are expected to generate income.

A Strategy-Driven Approach

Most retirees or soon to be retirees with accumulated assets are looking for stable income and a way to minimize their investment risks. They strive to build a portfolio of investments that can safely generate income for them for the rest of their lives.

By using a strategy-driven approach that utilizes time to mitigate risk, retirees can feel comfortable knowing their income is mapped out for a minimum of 15 years.

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

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

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.

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