Many retirement portfolios are constructed primarily with bonds. The challenge with a portfolio of entirely bonds is that they return a fixed rate. But the prices of goods and services generally go up over time – that’s the effect of inflation. For many retired investors, it’s important to balance a mix of fixed income with the potential for continued, long-term growth in order to combat the effects of inflation.
While Medicare coverage is available for all Americans age 65 and over, it’s not the end of the story. Navigating and selecting a Medicare supplement can be complicated, and plans can be surprisingly expensive. Healthcare costs are top of mind for many retirees. We can help you plan for and manage healthcare costs throughout retirement.
Your needs during retirement are unlikely to be 100% consistent over time. We see many of our clients experience retirement in three phases. We can help match your spending wants and needs to your level of accumulated assets in order to give you more confidence that your nest egg is safe, even as you begin to draw down.
Whether it’s church, Rotary Club, or one of the hundreds of other philanthropic causes available, many of our retired clients find meaning in giving their time, their money, or both. Few aspects of our business are more rewarding than connecting our clients to causes they believe in.
We don’t have a fixed minimum investment level. That being said, our team puts a lot of work into creating customized wealth strategies for each of our clients. If asset levels are too low, our costs might not make sense for you. We typically work with clients with investable assets in excess of $1 million, but we also work with many younger investors with high incomes and aggressive savings goals.
Our cost is structured as a percentage of assets under management, charged in arrears on a quarterly basis. The cost schedule is variable based on the level of assets and the scope of our work. We believe in full transparency. As a result, you clearly see what we are being paid for the value we provide. We do not receive any hidden fees or other forms of compensation. Finally, there are no lock-ups or penalties if you decide to go in a different direction.
The account opening process is handled by our skilled client service team who does all the heavy lifting. Onboarding occurs after we’ve gone through the financial planning process, mutually determined that we are a fit, and have agreed on your wealth strategy.