Income Planning

Our financial advisors specialize in creating a retirement income strategy based on your goals that will allow you to spend confidently in retirement.

Retirement Income Planning

Depending on your unique situation, our advisors may use one or more of the following strategies:

Income Strategies*

Goal Based: An annual withdrawal of no more than 3 to 4 percent of your account value, adjusted for inflation, from your portfolio every year.

Time Segmented: This strategy helps you diversify investments into buckets based on time horizon. The idea is to mainly position a certain portion of your wealth into multiple buckets based on time segmentation. This strategy will help you know which vehicle or retirement account from which your paycheck is coming.

Cash Flow: For the more risk-averse investor, a cash flow strategy develops guaranteed income with little to no market risk. This strategy may use yield or interest from guaranteed sources in an attempt to protect your income.

Flooring: A combination strategy that develops a budget of both basic and discretionary expenses. If there is a shortfall, make sure you have at least the basic expenses coming in on a “safer” or reliable basis.


 * Provided for informational purposes only, not intended to provide tax, legal and/or investment advice or serve as the basis for financial decisions. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy or product or any non-investment related content, made reference to directly or indirectly in this show will be profitable, be suitable for your portfolio or individual situation, or prove successful.

Strategies for Financial Independence

What is your strategy? Call us today to meet with a financial advisor to discuss the goals, strategies, and objectives needed to create your financial plan. Contact us at 1-866-417-4156 or email us at today!