How We Approach Investment Management for Retirement
Managing assets in retirement is fundamentally different from managing them during your working years. When you’re building wealth, your portfolio has time to recover from market downturns. Once you begin drawing income, the timing of those downturns matters much more. Selling investments during a down market can lock in losses, reduce future growth potential, and put more pressure on the rest of your portfolio. This is known as sequence-of-returns risk, and it is one of the biggest reasons why a retirement portfolio requires a different strategy than one still in the accumulation phase.
Our asset management approach is guided by The Bucket Plan®, the organizing framework at the heart of every plan we create. Rather than treating your portfolio as one pool of savings, The Bucket Plan® assigns every dollar a role based on when you will need it, how much risk it should carry, and what purpose it serves in your overall retirement income plan.
Our Strategies for Tax-Aware Investment Management
Every investment decision has a potential tax consequence, especially in retirement. Here are some of the strategies we use to help your portfolio work alongside your income plan and tax strategy to help support your long-term goals.
Specialized Asset Management Considerations
No two retirement portfolios are structured the same way. We tailor your asset management strategy to your individual needs, which can be especially important for clients with specialized planning considerations.
For LGBTQ+ Clients: Partner protection, account titling, beneficiary designations, and wealth transfer decisions can carry added importance, especially for clients without children. We build these considerations into portfolio and estate coordination from the beginning, so your investment strategy reflects the people, household, and priorities you’re planning for.
For Higher Education Professionals: Pension income can significantly change how your portfolio should be positioned. We help educators and college professors build investment plans that complement their pension, coordinate with 403(b), 457, and personal savings, and support the timing of Social Security, Medicare, and withdrawals.
Year-Round Portfolio Monitoring and Proactive Communication
We monitor your portfolio on an ongoing basis and make thoughtful adjustments as your life, the markets, and your tax picture evolve. As fiduciary financial advisors, our responsibility is to act in your best interest, which means your portfolio is never treated as a set-it-and-forget-it account. The value of the relationship comes from knowing you deeply, understanding what has changed, and helping keep your investment strategy aligned with the life your money is meant to support.
Advanced Investment Resources Through Prosperity Capital Advisors
Through our partnership with Prosperity Capital Advisors, we pair institutional-caliber investment resources with the personalized guidance of a boutique advisory firm. Clients gain access to some of the world’s largest asset managers, highly customizable portfolio strategies, and proprietary frameworks that are regularly reviewed and refined by the Prosperity investment committee. Together, these capabilities allow us to build your portfolio with greater precision while keeping every recommendation grounded in your goals, risk tolerance, income needs, and tax picture.