The "Three-Legged Stool" is Broken

Retirees traditionally have depended on a "three-legged stool" of retirement income:  their pension, Social Security and their retirement savings. However, over the past few decades, one leg--the pension--has been less dependable. Today, pensions are largely a thing of the past. 

KEEP YOUR LIFESTYLE. DON'T OUTLIVE YOUR MONEY.

That broken leg has been replaced by a multitude of other components:  Social Security (possibly delaying benefits for a higher payout), home equity, employer-sponsored retirement plans, individual retirement accounts, savings and possibly part-time work during the early years of your retirement.  Add to the equation that we are living longer and a retirement period can last over 30 years. During that time, your cost of living will keep going up, and you may need more money to sustain your lifestyle.   Our job is to help you balance all of these options and make sure you can continue your current lifestyle and not outlive your money.

YOU WORK HARD FOR THE MONEY. WE WORK HARD TO PROTECT IT.

Investing during retirement is trickier than saving for retirement.  We offer solutions to protect you from down markets and financial ruin in your retirement years.

WE TAKE THE EMOTION OUT OF INVESTING.

We offer a more efficient, more effective low cost approach.  We focus on what you can control such as the amount of risk you take, how much you save and how much you spend.  We believe in a broadly diversified portfolio* invested globally with stocks, bonds, real estate and other real assets.  Our goal is to structure your portfolio so you can continue to live the life that gives you the most satisfaction.

IT'S YOUR MONEY, AND IT'S YOUR CHOICE

We offer traditional and socially-conscious investment options.  Both options abide by our strict investment criteria of low fees, diversification and research-driven academic approaches.

*Diversification or asset allocation do not guarantee a profit or protect against a loss.