Your spending needs result in separate investment allocations for money needed during different years of your life.
We use annuities as an insurance vehicle when it makes sense for you, providing lifetime income at a low cost.
We employ modern strategies such as low- cost ETFs to help keep costs low and avoid risk beyond what is inherent in the market.
Planning to hold
bonds to maturity
can help avoid unnecessary principal loss in a changing interest rate climate.
We account for health and demographic factors, as well as spending needs, because each person has a unique profile.