When it comes to Investment Philosophy, there are two important stages of life and each come with different rules. The first stage is the accumulation stage and the second is the distribution stage. What separates these stages is what we like to call The Great Transition – moving from your working years to your retirement years. With this Transition comes a change in how you should be investing and allocating your money.

We think the biggest pitfall for people to understand when getting ready for retirement and what we see in our practice each and everyday in dealing with clients and prospective clients is not having an investment philosophy game plan. It used to be that people would work hard for several decades and when they reached retirement they saw that as winning the game. Now, we work hard for several decades, we reach retirement, and we realize, it’s only half time, we still have half our life left. What’s the plan now? Most people have a plan to reach retirement, but no plan to get them through retirement.

Another mistake people make when transitioning into retirement is not preparing soon enough. Retirement isn’t as easy as just starting your pension and social security checks. Now more than ever before, retiree’s are depending on their savings to produce income. That’s not an easy job – and it takes preparation and a game plan.

If You’re Retired Or Within 10 Years Of Retirement – The Time Is Now

If your retired or within 10 years of retirement you need a game plan that provides you peace of mind and confidence that you’re on the right track. Don’t have one? Now’s the time.

Here’s how we believe in allocating your resources for retirement.

It’s really just a common sense approach, but unfortunately it is very uncommon. Allocate and invest your money by it’s purpose! We like to use the symbol from our logo, an oak tree, to represent this:



Your emergency fund is like the roots of an Oak Tree. The roots provide a safe secure base for the tree to grow. Without the roots, the tree would fall over.

We believe everyone should have an adequate emergency fund. It is safe, secure, and easily accessible. It’s there in case you have a large auto repair or home repair, it helps you feel secure and sleep at night knowing you have adequate short term money in case you need it. How much money does it take in the bank for you to sleep well at night? That’s how much should be in your emergency fund.

On Going Income

On Going Income is like the trunk of an Oak Tree. It is the strength of the tree and hold it together. If a an unexpected storm hits (like a market crash), a strong trunk won’t break.

Once the paycheck stops, where do you get your income from? Most people obtain peace of mind in retirement when they know their income in secure and doesn’t depend on the market. Great examples of this are Social Security or Pensions. If those don’t meet your needs often people use insurance products such as annuities to make their own secure pension.

Long Term Needs

Long Term Needs are the leaves and branches of an Oak Tree. They provide growth to the tree. However, they are seasonal and are the first to break when a storm hits.

Once your emergency and income needs are met, how should you invest? We believe money in market is important for long term needs. That could be an eventual estate you would like to leave or beating inflation for potential future medical costs or income. Money in the market is most efficient when it has time to work.

So, What Types Of Accounts Make Up Each Section Of The Tree?


Here’s The Biggest Problem:

Advisors Are Biased To The Type Of Account They Can Sell.

We believe that for clients to be truly secure in retirement, they likely need all three types of accounts. That’s why we have minimized our bias by providing both investment and insurance options to our clients. Ultimately, we work in our clients’ best interests as Fiduciaries and can recommend what truly is best for them. That’s what we call the LifePlan Difference.

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LifePlan Difference

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