TIME PERIOD pre-Retirement Approaching / During Retirement
INVESTMENT OBJECTIVE Growth Income & Growth
INVESTMENT STRATEGY: Seek higher, after-tax, after-fee investment returns by focusing on factors we can control, such as:

  • Keeping expenses low
  • Portfolio rebalancing
  • Tax-loss harvesting
  • Goal tracking

Generally, we do not:

  • Stock pick
  • Sector weight
  • Market time
Use a hybrid approach that combines the best of pension-like, predictable income and the higher, return potential of a traditional growth portfolio.

We 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.

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

TYPICAL INVESTMENTS: Exchange-Traded Funds (ETFs)
  • Individual bonds
  • Certificates of Deposit
  • Other low-risk, or guaranteed investments.
  • ETFs
  • Mutual Funds
FUND FAMILIES
  • Vanguard
  • Betterment
  • Goldman Sachs
  • Vanguard
  • Diversified Investors
  • Fidelity
ACCOUNT CUSTODIANS Betterment Investments Fidelity Investments