Investment Philosophy

Our investment philosophy is grounded in our commitment to utilize all of the investment vehicles available to our clients. Our process involves first determining what a client’s income goals are and then determining what current sources of fixed income (Social Security, rental income or pensions) are available. We then calculate and help the client choose what investment vehicle will best generate the income needed for the stated time frame.

The calculations are completed using sophisticated financial planning software and often supplemented with a personalize “Income Timeline”. Inflation is taken into account and all future sources of income are spelled out for ease of interpretation.

We have used this approach for over 15 years and have found it to be both accurate and helpful in guarding against reductions of income over long periods of time. Lastly, our firm adheres to the College of Financial Planning’s (CFP) six step process and a holistic approach to retirement income planning.


Typical Investment Distribution Channels


Insurance Companies

  • Fixed annuities
  • Immediate annuities
  • Equity-indexed annuities
  • Variable annuities

Mutual Fund Companies

  • Stock funds
  • Bond funds
  • All types in between

Real Estate

  • Traded REIT’s
  • Non-traded REIT’s
  • Commercial buildings
  • Recreational facilities
  • Healthcare properties
  • Shopping plazas

Banks

  • Checking accounts
  • Savings accounts
  • Certificates of deposit
  • Money market accounts

Government Issued

  • Treasury bills, notes and bonds
  • Fannie Mae, GNMA, Sallie Mae
  • Series E savings bonds
  • Municipal bonds/national & state-issued

Life Insurance

  • Tax-free income
  • Tax-free death benefits
  • Tax-deferred earnings build-up
  • Outside of taxable estate if held in I.L.I.T.
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