A Lifetime Wealth Management Strategy

Think of your investment stage in terms of a life cycle. During your working or accumulation years, growth-oriented strategies will likely attain higher total returns than balanced-oriented or income-oriented strategies. As you approach retirement, possibly a balanced-oriented strategy may be more appropriate to conserve your accumulated assets. Finally, in retirement, income and stability would most likely be your priorities, although some growth is also important to help protect against inflation.

At this stage of your investment life cycle, we will put in place a 4-wave retirement income distribution strategy designed to absorb market volatility while taking into consideration short-term security, long term growth, and estate protection. Each wave is based on 5 year increments and is meant to fund a period of time within retirement and will be invested to meet your needs for that period.

A Lifetime Wealth Management Strategy

Your portfolio size, time horizon, return objectives and risk tolerance should determine the strategy that best represents the goals that you want to achieve during each stage of your investment life cycle.

Summary Guidelines

  • Review rebalancing your portfolio at least once a year.
  • Follow the investing principle of buy low-sell high to protect your profits and to lower volatility.
  • Rebalance your portfolio when a fund has varied by the greatest of 15% or ten percentage points.