Investment success is not measured solely by the amount you accumulate in an account, but by the net amount of future dollars returned to the account owner or beneficiary. Successful investing requires strategies that can maximize both accumulation and distribution. Dividend yields, tax impact and liquidity are key, and risk tolerance becomes even more critical when switching from accumulation to distribution.

We use a combination of monte carlo simulations, guaranteed income streams, pension maximization strategies and tiered accounts (i.e. ‘bucket strategy’) to help our clients enhance their retirement income without sacrificing liquidity or prematurely exhausting their assets.