Secure and Successful Retirement

Client Centered

When you enter the retirement phase, there are many factors that will shape your journey. We take the time to get to know your background, your current situation and the future you imagine for yourself.

We’re in this together to help you determine the best path to pursue your goals. Wealth Management is an on-going process, and we will walk with you and our outside team of specialists through the steps necessary, then guide you to stay on course. A key part of the value we provide to you are our Educational Resources, Events and Materials, so that you can make informed, educated decisions, based on your values and goals.

Wealth Management in Retirement Equals:

  • Investment (and Income Distribution) Consulting (IC) plus
  • Advanced Planning (AP) plus
  • Relationship Management (RM)



Portfolio Performance AnalysisWealth Enhancement (Tax)Discovery Meeting
Evaluation of RisksWealth Transfer (Protect Heirs)Investment Plan Meeting
Asset AllocationWealth Protection
(Prevent Unjust Takings)
Mutual Commitment Meeting
Assessment of Impact of CostsMaximizing Charitable Impact45-Day Follow Up Meeting
Assessment of Impact of TaxesProfessional Network Meetings
Investment Policy StatementRegular Client Process Meetings
Income Distribution Planning

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Income Distribution Planning 

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With improvements in healthcare, diet and exercise habits, Americans are generally living longer lives and enjoying more active and vibrant retirements. Early retirement has also become more common, thus resulting in many retirees facing the challenge of not outliving their retirement assets.

Income Distribution planning is the process by which the assets you collected as you were preparing for retirement (the accumulation phase) are paid out to you during your retirement (the distribution phase). The strategies that you used during the accumulation phase are very different than the strategies that you would use during the distribution phase.

The assets from which you expect to create a vital stream of income during retirement face risk from economic turmoil, interest rate uncertainty and market volatility. It is vital to correctly position your accumulated assets into a series of investments at retirement that is designed to provide you income for your lifetime.

The process that we use is called the NextPhase™ Retirement Income Planning Process; it is a time-segmented, inflation-adjusted strategy that is designed to help you find a balance of investment choices with different, complementary risk and growth opportunities. The graphic below illustrates how your accumulated retirement assets are divided into different time-segments. The optional guaranteed income segment and the first pool are designed to offer immediate, regular income streams, while the other pools of investments are designed to grow over time. As time goes on, each pool is drained to fill the reservoir that provides your regular income stream. The strategy typically plans for 25 years, at which point the last pool can be divided up again to provide for a longer retirement or used for legacy planning.

If you are within ten years of retiring or have retired within the last five,
talk to us today about creating your custom retirement income plan.

Guaranteed income stream – The guaranteed income stream investment vehicle that overlays the six allocation pools (when suitable and used in the NextPhase™ plan) is a Variable Annuity with a Guaranteed Minimum Withdrawal Benefit.

NextPhase segment graph

Investments in model strategies have additional management fees and expose the investor to the risks inherent within the model and the specific risks f the underlying funds directly proportionate to their fund allocation.

All investments involve the risk of potential investment losses. Investment returns, particularly over shorter time periods are highly dependent on trends in the various investment markets. The investor may receive less than the original invested amount and is advised to consider the investment objective and risks before investing.

Asset allocation does not guarantee a profit or protection from losses in a declining market.

*Guaranteed monthly income is based on current values as well as the terms and conditions of the annuity contract or optional rider. These advantages may have additional fees and can only be fully realized if you follow the benefit’s rules and hold annuity through surrender period. Guarantees and principal based on the claims paying ability of the issuing company.

Annuities are long term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax, and, if taken prior to age 591/2, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. The purchase of a variable annuity is not required for, and is not a term of, the provision of any financial service or activity.

Single Premium Immediate Annuity contracts cannot be surrendered once annuitized.

Purchase of an annuity contract through a qualified plan does not provide any additional tax-deferral benefits beyond those already provided through the plan. If you are purchasing an annuity contract through a plan, you should consider purchasing it for its death benefit, annuity options and other non-tax-related benefits.

Investments in real estate or REITs may not be suitable for all investors and is subject to significant risks. These risks may include limited operating history, reliance on the investment advisor, potential conflicts of interest, payment of substantial fees to the investment advisor and its affiliates, potential illiquidity and liquidation at less than the original amount invested.

Mutual Funds and Variable Annuities are investments involving risk and are offered by prospectus only. Before investing, investors should carefully consider the investment objectives, risk, charges and expenses of the investment and its underlying investment options. The prospectuses contain this and other important information. Please contact your representative or the investment company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.

Investments in mutual funds are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although money market funds seek to preserve their value at $1.00 per share, it is possible to lose money by investing in money market funds.

Investments in fixed income products are subject to market risk, credit risk and special tax liabilities.

Purchasing CDs involves a number of risks. It is suggested that prospective depositors reach a purchase decision only after careful consideration with their financial, legal, accounting, tax and other advisors regarding the suitability of the CDs in light of their particular circumstances.

You must evaluate whether a bond ladder and the securities held within it are consistent with your investment objectives, risk tolerance, and financial circumstances. If you decide to include callable bonds in your ladder, these bonds may be called prior to maturity. If a bond is called, your investment payments cease and the principal is returned as of the call date. If you seek to reinvest the principal in a similar bond issue, you will likely have to accept a lower yield (and lower interest payments) consistent with prevailing interest rates.

Any fixed income security sold prior to maturity may be subject to a substantial and taxable gain or loss.

Structured products typically pay an interest or coupon rate above the prevailing market rates and limit upside participation in the referenced asset if principal protection is offered or if the security pays an above-market interest rate. Risks may include loss of principal and the possibility that at expiration the investor will own the referenced asset at the depressed price. Other factors that may affect the investment value of the structured product include: interest rates, volatility of the underlying asset, liquidity and time remaining until maturity. Structured investments are generally backed by the issuing firm which may or may not maintain a secondary market.

Investments are not FDIC or NCUA insured, not Bank or Credit Union Guaranteed and May Lose Value.

Guarantees including optional benefits may have an extra fee and are subject to exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with complete details. The benefit payment obligations arising under the annuity contract guarantees, rider guarantees, or optional benefits and any fixed account crediting rates or annuity payout rates are backed by the claims-paying ability of the issuing insurance company. Those payments and the responsibility to make them are not the obligations of the third party broker/dealer from which the annuity is purchased or any of its affiliates.