What Is Your Investment Philosophy?

We believe in the following fundamental principles when it comes to designing an investment portfolio and making specific recommendations:

• Income is the outcome that matters most in retirement, as our colleague Karlan Tucker says.
• The purpose of money should dictate the placement of money.
• The design of your Retirement Income Plan must take into account your financial objectives, tolerance for risk, needs for current income or liquidity, and special considerations such as income and estate taxes.
• The important thing to remember is that no one can predict the future. Difference of opinion makes a market. Investment and economic “experts” provided with the same information often come to different conclusions. We do not suggest that we, or that any of the money or mutual fund managers that we may recommend, will make the correct decision every time. We do believe, however, that studying the historic trends and relationships of investment classes and the philosophies and approaches of successful investment managers can provide valuable insight. If you have a secured lifetime income, then your investment options with the rest of your assets are endless.
• As our friend from Tom Hegna says, “I’m not trying to be the richest guy in the cemetery.” Our team believes that you should create lifetime income so that you can enjoy your go-go years to the fullest, while mitigating the risks of extended illness or a cognitive impairment so you can live out your slow-go years and no-go years with dignity and peace of mind.