Proven Retirement Income Planning Strategy

OUR STRATEGY...YOUR CONFIDENCE

The solution to the retirement income challenge is a strategy.
One strategy is Advanced Time Segmentation^®.

Advanced Time Segmentation^®, ATS for short, is a uniquely powerful approach to retirement income planning.

Unlike traditional investment strategies, ATS is…

PURPOSEFUL

Giving every decision and every dollar’s allocation a clear objective.

CONSISTENT

Utilizing repeatable strategies driven by planning rather than products.

EMPOWERING

Providing clarity & understanding that foster excitement for the future.

Establish Reliable Retirement Income
Reduce the Impact of Market Fluctuation
Adjust for Inflation

HOW ATS WORKS

At its core, we match our clients' assets to their income liabilities.
We lay out a strategy that creates inflation-adjusted income and addresses risk by giving equities time to potentially grow untouched. This approach allocates assets* into different time segments based on the period of time those assets are expected to generate income.*

Lifetime Income

This segment potentially provides investors with guaranteed income** for life and is suitable for conservative investors who believe they have a long life expectancy.

Fixed Income

This segment is designed to be spent down over five to seven years, thus "buying time" for the Balanced segment to potentially grow. This category is usually invested in safe, sometimes guaranteed, investments.**

Balanced

This segment is a bridge between the Income and Growth segments. This segment is designed to replenish the Fixed Income Segment resulting in additional time for your long-term investments to potentially grow.

Long-Term Growth

This segment is designed for 15-25 years of growth. Since the other segments have provided time, this segment is designed to grow untouched for many years.

Income & Growth

This segment is designed to provide both income and growth for the portfolio over the long term. This category can include alternative investments.*** Income generated from this category may be used to supplement income required from the Lifetime Income and Fixed income categories.

*Asset allocation is an investment strategy that will not guarantee a profit or protect you from loss.

**Although it is possible to have guaranteed income for life with a fixed annuity, there is no assurance that this income will keep up with inflation. There is a surrender charge imposed generally during the first 5 to 7 years or during the rate guarantee period.

***Alternative Investments often engage in leverage and other investment practices that are extremely speculative and involve a high degree of risk. Such practices may increase the volatility of performance and the risk of investment loss, including the loss of the entire amount that is invested. There may be conflicts of interest relating to the Alternative Investment and its service providers. Similarly, interests in an Alternative Investment are highly illiquid and generally are not transferable without the consent of the sponsor, and applicable securities and tax laws will limit transfers.

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