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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.
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.
If you have a financial advisor that uses Advanced Time Segmentation®, then congratulations on having an advisor that is part of an elite group within Cetera Financial Group known as the ATS Advisor Network! Each advisor in this country wide network is well versed in the use of the Advanced Time Segmentation® strategy.
If you do not have an Advanced Time Segmentation® financial advisor but would like to speak with one today, fill out our contact form and we will have an advisor in your area reach out to you shortly.
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.
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® 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.
short-term-assets are matched to your short term liabilities
designed to replenish the fixed income portion of segment one
long-term-assets are matched to your long term liabilities
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.
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.
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.
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.
If you’re like most investors thinking about your eventual retirement, you hunger for stability yet yearn for growth. If you’re like millions of Americans whose portfolios took a beating at the end of the last decade, growth isn’t just a preference but a requirement.