Call Us At (832) 728 2855
Call Us At (832) 728 2855
Retirement Income Solutions
More than anything, you want to know how to generate income from your portfolio when you reach retirement without shrinking your principle. That topic is firmly in our wheelhouse.
When it comes to retirement income strategy the most common, time-tested method might not be the best one.
With pensions a rarity these days, retirees are looking for new ways to generate monthly income through investments or practical portfolio management. The 4% rule is often cited as a smart way to generate monthly income. You take 4% of your portfolio in cash every month and if all goes well you should never have to touch the principal. In reality, this idea depends on a constantly steady market, which only happens 50% of the time. We like to look at a broader picture, examining various tracks to secure monthly retirement income – with as little risk as possible. After all, this is not a dress rehearsal. You want to get it right. If you’d like to discuss retirement income solutions in greater detail, call our office at 832 728 2855 or schedule a meeting.
Grayson Financial's View on Retirement Income Method
We do not take a haphazard, seat-of-the-pants approach to retirement income solutions. Rather, we have a time-tested process that has proven to be effective, which is one reason with have an extraordinary client retention rate.
Our method involves what we call the bucket approach. Here’s how it works:
- We divide your investment capital into different buckets.
- They might consist of a 1 to 5-year bucket, a 5 to 16-year bucket and a 16-year and on bucket.
- Each bucket is going to be invested differently, depending on a number of factors.
- This process gives us a simple blueprint to generating long-term cash flow for the portfolio.
- This process gives us a simple blueprint to generating long-term cash flow for the portfolio.
Grayson Financial's Unique Retirement Income Strategy
While most financial advisors have a standard approach to developing their clients’ retirement savings plan, we utilize progressive methods that are proven to eliminate guesswork with more positive results. They include:
Buying annuities, which can act like a pension in that they can guarantee income during retirement.
Utilizing investment algorithms, a mathematical mechanism that automatically alerts us to a sudden change in the market that could adversely impact your current drawdown percentage.
We then immediately revise or stop the drawdown until market conditions improve.
This predetermined drawdown strategy mitigates risk and provides tremendous stress relief for our clients, knowing that they are less likely to deplete their funds.
This investment algorithm strategy is based on back-testing data from thousands of sample portfolios, so it is extremely precise dramatically increasing our chances for success.