|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:
Generally, we do not:
|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)||
|ACCOUNT CUSTODIANS||Betterment Investments||Fidelity Investments|