Smart Strategies Lead To Successful Investments
We are an independent investment planner, committed to protecting the best interests of our clients. With no ties to proprietary products, there are no restrictions on the portfolios we utilize to help you reach your goals. We believe that the investments themselves are the tools – how they are packaged together determines their success.
Our process begins by using data visualization software to build a holistic picture of your current assets. Then, we get to know you. We learn about your income needs, goals and lifestyle so that we can identify the best strategies for growing your wealth while protecting your retirement savings.
Ensuring that our clients have a successful and comfortable financial future is our top priority – and it’s what has made us a top investment management firm.
An Innovative, Effective Investment Approach
We can’t control market fluctuations, and we won’t try to. Instead, our investment strategy focuses on increasing your portfolio’s income potential, regardless of how the markets are performing on any given day, month or year. The markets will continue to fluctuate, just as your circumstances may, so we don’t stress over the day-to-day. Instead, we focus on the big picture.
One of our prominent strategies is investing with trusted companies that have above-average dividend growth. Of the 70 unique individual equity positions we invest in, 59 have increased their dividend, while none of the 70 have decreased. This means that, even when the markets or investment allocations are down, dividends continue to grow. These dividends are then reinvested, increasing your shares and paying out in more dividends, enhancing the power of the portfolio, regardless of the account value.
These proven strategies have helped us become a top investment management firm, helping out clients achieve their ideal outcomes for the future.
Striking the Right Balance Between Risk and Reward
The goal of investing is quite simple – when markets are up, you want your investments to reap the benefits as much as possible, and when markets are down, you want to capture as little of the downside as you can. Conservative allocations are designed to reduce risk in downward market swings, protecting investors from heavy losses. Unfortunately, this also means that investments typically capture very little upside when the markets are up. On the other hand, aggressive allocations have the potential for large payoffs – but the downfalls can be just as dramatic.
We utilize capture ratios to measure how our equity focused portfolio allocations perform in all markets, ensuring that you capture as much reward as possible, while minimizing your risk. We do this by utilizing recession-resistant sectors with quality dividends and quality dividend growth rates, giving you the best of both worlds.
Protect and Grow
Your Wealth
The two components every retirement investment strategy needs.
You only retire once, which means you only get one opportunity to crack open your nest egg the right way. If you do make a mistake, it will be 10 or 15 years before you see the impact of it, and it will be much too late to fix it. The most common error we see from retirees is thinking of their next egg as one lump sum that should be invested, managed and withdrawn over time.
For example:
You have a $5 million nest egg and you decide to draw 4% as your annual income stream to fund your ideal lifestyle.
However, after a year, a large, unexpected expenses requires an additional $500,000 to be withdrawn, bringing your nest egg’s relative value from $5 million to $4.5 million. Now, instead of receiving $200,000 as your annual income stream, you’re receiving $180,000, and are essentially taking a 20-30 year pay cut, while inflation continues to increase the cost of living.
The Solution?
Our Strategies Can Give You a Raise in Retirement.
We understand that unforeseen life events can make large withdraws unavoidable. We protect you through the unexpected by dividing your nest egg into two buckets.
Income Bucket:
This bucket contains the money you’ll draw income from during retirement. Because you rely on this money for day-to-day expenses, it’s invested in moderately conservative high dividend yielding allocations, reducing your risk.
Growth Bucket:
This money is earmarked for growing your wealth with moderately aggressive allocations. We protect your gains by moving them to the income bucket – which is how we increase your income over time. This is also where money for unexpected expenses will come from.
The Bucket Strategy Helps You Protect and Increase Your Wealth in Three Key Ways
1. Your income stream is unaffected by unexpected expenses, as money for them is withdrawn from the Growth Bucket.
2. Gains earned in the Growth Bucket are immediately moved to the Income Bucket, protecting them from market fluctuations.
3. The Income Bucket’s bottom line is increased as gains are moved from the Growth Bucket. You just gave yourself a raise in retirement!
Dive Deeper Into Investment Strategies
that will preserve and increase your wealth during retirement in Sunny Side Up.