1. Base Income

Building and protecting your income sources from external factors: Disability, Death, Divorce. While optimizing your taxable income now and through retirement.

- In your working years, protecting your income from uncontrollable factors.
- In retirement, recreating lifetime income from guaranteed* sources that provide better outcomes without overexposing you to risk and volatility.

2. Cash Reserve

Providing and maintaining liquidity throughout life.

- Building a buffer of short-term liquidity via short-term cash instruments.
- Developing a personalized down market strategy to reallocate assets.
- Allowing for Investment Opportunity in Favorable Markets.
- Providing flexibility for Sequence of Return Management.

3. Investments that Allow Distribution Flexibility

Dynamic Wealth Management and Distribution that incorporates both actively managed and passively managed investments.

- Time-Weighted Asset Allocation** - using time to determine our aggression.
- Tax-Favorability - Incorporating different equites, fixed income, ETF's, and Mutual Funds.
- Tax-Favorability via account type (Pre-tax, Post-tax).
- Building a retirement income stream that takes distribution pressure off of your investment accounts in down markets and periods of high taxation.

*All guarantees in annuities are backed solely by the claims-paying ability of the issuer.
**All investments carry some level of risk, including loss of principal invested. No investment strategy can guarantee a profit or protect against loss.