We do not believe in what most investment representatives tell their clients, which is to “ride it out” or “stay the course” when the going gets tough. We prefer to find shelter when there is a storm. When the sun comes out again is when we look for gains. Giving up time on your life calendar to make up large losses is simply not acceptable.

We use a “Three Bucket” approach to investing designed to provide liquidity, allow for retirement income, protect principal and generate long-term wealth. Each bucket has a specific purpose. The amount that goes in each bucket depends on each client’s personal circumstances, goals and desires.

 

Your First Bucket…

First Bucket

…holds money that is for planned expenses and potential emergencies. In general, that money is kept in the bank, U.S. Government debt or municipal bonds. For those with household income into the six figures (over $170,000 for couples), cash value life insurance offers some interesting living tax benefits, in addition to the tax-free death benefit. 

 

Your Second Bucket…

Retirement Nest Egg

 …is your retirement nest egg which will hold the bulk of your assets. While we want to see growth and income, protecting against large losses is our first mission. Here we use Tactical Asset Management portfolios that are designed to protect principal while allowing participation in the upside of rising markets and are appropriate in this bucket. This is a total return approach that seeks to avoid large losses that are life altering as a first priority.

 

Your Third Bucket

Long Term Growth

 …is for long-term growth and potentially generating multi-generational wealth. For this bucket we will usually own Kirk’s “Punch Card” Stock Portfolio (stocks Kirk is invested in), although other elite money managers are also available subject to account minimums. For people who have a hard time sleeping at night owning individual securities, we can also apply a more aggressive Tactical Asset Management approach tailored to the client. 

 

Contact us to put together a lifetime investment plan that will provide you with safety, growth, income and freedom.

 

There can be no assurance that any strategy will be successful in achieving its stated goals. All investments have a potential for loss  of principal. Past performance is no guarantee of future results. 

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Category: Services