When we reach the point in planning when,….

include benefits section

TIME PERIOD Distribution; at or nearing retirement
INVESTMENT OBJECTIVE Predictable income & long-term growth
INVESTMENT STRATEGY Use a hybrid approach to fund spending needs precisely, predictably and flexibly. Delivers the best of pension-like income, along with the higher returns of a traditional growth portfolio.

1.     Begin by carving out and dedicating specific portfolio assets towards a low-risk or guaranteed strategy, which delivers consistent income, regardless of how the market performs.

2.     The remainder of the portfolio is invested in a broadly diversified stock growth strategy to replenish the income portion over time.



  • Individual bonds
  • Certificates of deposit (CDs)
  • Exchange-Traded Funds (ETFs)
  • Mutual Funds
  • Dimensional Funds
  • Vanguard Funds
  • Fidelity Funds
ACCOUNT CUSTODIANS Fidelity Investments