We create personalized, secure retirement plans for each client. Our investment advisers develop an individually-tailored income model for a client’s retirement based on alternate sources of income available and the desired level of retirement income. We create a retirement budget, and then work backward to determine what portfolio value will be needed to support the client’s retirement goals.
Limiting the number of clients allows us to provide this level of service for each account. When firms are allowed to get large, all clients either get the same distribution of investments, or they get lumped into a “style” basket (aggressive, conservative, income, etc.) based on a one-time intake survey and generic assessment of retirement goals.