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.

 Short-term Holdings  Retirement Next Egg

 

 

Long-term Growth 

 

In your first bucket, you will hold money that is for planned expenses and potential emergencies. In general, that money is kept in the bank. For those with household income into the six figures, cash value life insurance offers some interesting tax benefits, in addition to the death benefit.

Your second bucket 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. Tactical Asset Management portfolios are designed to protect principal while allowing participation in the upside of rising markets and are appropriate in this bucket. 

Your third bucket is for long-term growth and potential multi-generational wealth. In general, we will use Tactical Asset Management for this bucket as well, simply choosing more assertive strategies. For a handful of qualified clients with higher risk tolerance and longer time horizons (15+ years) we can also use our “Punch Card” Stock Portfolio (stocks Kirk is invested in) or other top third-party money managers who offer a multitude of strategies. 

Contact us for more information and to find the appropriate strategies for you.

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