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.
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 a six figure income, life insurance offers some interesting tax benefits and a death benefit.
Your second bucket is your retirement nest egg and ,for most people, will hold the bulk of your assets. While we want to see growth and income, protecting against large losses is our first mission. Using our risk managed Tactical Asset Management portfolios is designed to protect principal while allowing participation in the upside of rising markets.
Your third bucket is for long-term growth and potential multi-generational wealth. For most clients we will use our "Punch Card" Stock Portfolio program, although certain real estate investors, business owners may pursue a different strategy. Many people, who have accumulated wealth as they approach retirement, choose to have no aggressive investments, and that's okay if it helps you sleep at night.
Contact us for more information and to find the appropriate strategy 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.