3478 Buskirk Avenue
We are retirement specialists who work with clients from pre-retirement through life transitions, into and through retirement, and then in transitioning assets to the next generation.
Using systematic, disciplined, institutional approaches, based on Modern Portfolio Theory and scientific diversification to control risk while enhancing return.
Contract-based risk control can help to optimize market upside participation with downside cushions to reduce potential losses. It can lessen dependence on bonds which can be dilutive to returns. Bonds are the typical portfolio management method for risk control.
Advanced Time Segmentation® is a strategy that segments retirement assets into categories based on the expected period of time in retirement and when the assets are needed to generate income. First liquidity and income needs are addressed then the amount which can be appropriately exposed to market risk is mathematically determined.
Strategies to minimize the impact of income and estate taxes. Asset positioning and sourcing of retirement income for optimal tax advantage.
Strategies to preserve and perhaps expand your estate and avoid or minimize tax and transfer costs. Structuring documents to ensure you benefit your desired beneficiaries in a thoughtful manner.
To plan for life cycle transitions as you, and perhaps your parents, advance in age by using traditional LTC, asset based LTC alternatives, and strategic approaches to plan for funding of long-term care costs.
Examination of each of your accounts and income sources to determine where tax-efficient retirement income can best be sourced that leads to the creation of a model that provides the income you need to support your desired lifestyle.
Preparation for unexpected life events, such as premature death - survivor planning, long term care planning, and disability planning.
We begin by determining what is most important to our clients and what their values are so that we can create plans in-line with their core beliefs.
We incorporate non-market correlated alternatives to equity and fixed income investments to reduce dependence on stock and bond markets, broaden diversification, and manage stock market volatility and bond market interest-rate risk.
We advise on the appropriate use of mortgage debt and programs to access home equity for liquidity, flexibility, and perhaps income. These may include Home Equity Lines of Credit (HELOCs) and when appropriate, reverse mortgages.
We use programs offering lifetime income alternatives. These can provide pension-like benefits, however, unlike most pensions, they can also provide the potential for increasing income.
firstname.lastname@example.org | (925) 938-3200