We believe every client deserves personalized financial solutions. Regardless of where you are in your financial journey, we’ll spend the time to get to know you and your goals. Once we’ve identified your specific goals, we can build a fully customized financial plan to help you achieve the retirement you’ve always envisioned.
Our clients understand that individual fixed income securities can provide a measurable reduction in risk, costs, and tax implications when compared to bond mutual funds.
That is why our advisors create fully customized portfolios of individual fixed-income investments that are tailored to our client’s needs. Our active management of these fixed-income securities allows our team of portfolio managers to continually identify opportunities to maximize returns on our clients’ behalf.
Is Investing for Income Right for You?
Shifting your investment focus from growth to income in the years just before retirement makes sense for most, but how do you know if an income strategy is right for you?
Let’s start with the basics. The income model is designed to achieve two objectives that become increasingly important as you near retirement: asset protection and dependable income.
A recent survey by the Teachers Insurance and Annuity Association found there are three common themes most Americans are looking for in retirement:
- Freedom from financial worries
- Flexibility with their lives and their finances
- To spend time with family, relax, and travel
Chances are good that these themes might match up with what you want from retirement as well. However, to make it happen, you’ll need to first identify your specific goals around those themes. Travel where? Relax how?
Once most people take the time to think about it, they realize their goals are purpose-based. In other words, they’re investing so they can have the resources to travel, relax, and spend time with family in retirement.
After you’ve identified your goals, you need to ask yourself how you want to pay for these things. Will you want to liquidate shares of your stock? Probably not. You’d most likely want to pay for them using your income.
Once most people realize this, they understand the benefit of having a financial plan geared toward generating steady income they can count on in retirement.