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Automated Time Segmentation

A Strategy-Driven Approach

A Strategy-Driven Approach

Most retirees or soon to be retirees with a wealth accumulation strategy are looking for stable income and to minimize their investment risks. They strive to build a portfolio of investments that can safely generate them income for the rest of their lives.

By using a strategy-driven approach that utilizes time to mitigate risk, retirees can feel comfortable knowing their strategy is designed to ensure their income is mapped out for a minimum of 15 years.

Advanced Time Segmentation (ATS®)

Advanced Time Segmentation is a strategy that matches unique retirement income needs with time-segmented investments. This approach segments retirement assets into certain categories. The categories are based on the period of time in retirement when the assets are supposed to generate income.

Lifetime Income

This Segment potentially provides investors a guaranteed income for life and is suitable for conservative investors who believe they have a long life expectancy.

Immediate Income

This Segment is designed to spend down over 5 to 7 years thus buying time for Balanced Segment to potentially grow. This category is usually invested in safe, sometimes guaranteed, investments.

Balanced

This Segment is a bridge between the Income Segment and Growth Segment. This Segment is designed to replenish the Fixed Income Segment resulting in additional time for your long-tern investments to potentially grow.

Long-Term Growth

This Segment is designed for 15–25 years of growth. Since the other Segments have provided time, this Segment is designed to grow untouched for several years.

Planning for Tomorrow, Living for Today


Retirement income distribution planning is a dynamic and ongoing process that requires careful consideration of various factors and periodic review to adapt to changing circumstances. By working with a qualified financial advisor and implementing a comprehensive retirement income plan, you can enjoy a financially secure and fulfilling retirement. Let us guide you through a personalized financial strategy that ensures a worry-free retirement while enjoying life to the fullest.

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