Retirement
Planning
Wealth
Planning
WealthFort™ Retirement Asset Allocation Plan
|WRAAP™|
Achieving a WealthFortified™ Retirement is not simple but it is a worthwhile endeavor and we have a Plan to make it happen. By deploying our WealthFortified™ process, we balance the potential for growth and income in your asset and retirement portfolio with the appropriate risk and liquidity necessary to achieve your stated objectives. Your plan, built with approximately 12-18 hours of labor at no charge to you, will lead you to make better financial decisions to protect your retirement and ultimately help you Build A Stronger Family and Home, for generations. See Sample Plan Here.
Growth | Risk | Liquidity | Income
Can I meet my monthly expenses while I wait to receive my retirement income?
Will I Run Out of Money Before I Run Out Of Time?
~Top 2 Questions of Pre-Retirees
Income
Deferred Income Annuities
♖ Offer reliable, pension-like income to bolster income, if needed
♖ Help address concerns about market volatility, low interest rates, or outliving assets
♖ Defer some income and required minimum distributions (RMDs) to a later age (as a Qualifying Longevity Annuity Contract)
♖ Are a tool to provide retirement income and portfolio diversification
Could you benefit from reliable, pension-like income as you move into and through your retirement years? Meet with us to discuss how a fixed-index, deferred income annuity may fit into your WRAAP™.✷
Growth
“Everyone would like to double their investment, but the cost is real if things don't work out.” ~ dale raymond curtis
"Growth, Income, Safety, choose any two."
~Anonymous
The implied is that you can't have it all, but you can...as long as you adjust your expectations.
Deferred Annuities
♖ Offers modest tax-deferred growth potential to build retirement assets safely
♖ Help address concerns about market volatility, low interest rates, or outliving assets
♖ Are negatively correlated to your equity assets--when the market goes down, this doesn't; principal and contract gains are locked in and not subjected to market loss
♖ A tool to reduce overall portfolio risk and increase diversification
♖ May be indicated for asset allocating a portion of your portfolio to mitigate risk
Mitigated Risk
♖ We use a survey to and it's fun.
♖ Our WRAP Plans have built-in risk mitigation features that use Model Portfolios to asset allocate your plan and may use the additional downside protection of fixed-index annuities, should your specific situation indicate the necessity.
♖ As we build your WRAP, we convert your age to a percentage for estimating what amount of your assets should be held in safety (This becomes a guide for planning purposes). For example: If you are 55, we will recommend that you hold approximately 55% of your investable assets in Safety. Defined: Safety is an asset that is not subject to loss in a down market cycle but sustains modest growth in an up market.
Reasonable Liquidity
♖ What's Reasonable? It depends on what your needs require. We recommend you limit your need to 5-10% of your investable assets.
♖ Why limit liquidity? Because you sacrifice potential for portfolio growth when you carry excess liquid assets.
♖ What is liquidity? Ready cash, short-term bills and operating capital, WAM, etc.
♖ Liquidity is a portion of your Safe Assets for purposes of your WRAP
✷WealthFort™ neither recommends nor sells variable annuities.
We provide you with the most powerful financial software in the industry to monitor your retirement. You receive a clear view of all your assets in addition to a copy of your WRAAP™, all in one convenient and secure location through the WealthFort™ Dashboard, coupled with sound advice and reliable retirement planning services provided by
fiduciary-licensed financial advisors.
Balance for Protection and Preservation
Making sure that you aren't taking too much risk or that you are sacrificing growth potential at the altar of liquidity is just part of the balancing act necessary to fortify your retirement. Meet with us to learn more or "WRAAP™" up your Retirement Plan below.
Know Your Risk Number
If a market crash of 20% were to happen (and it has), do you know exactly what percentage of loss your portfolio would realize? Does this number cause you to lose sleep? An Advisor should be able to not only quantify this for you, but also adjust your risk so that you can rest easy. If they can't or won't,
please, walk away.
Retirement Protection WealthFortified™
You Have a Plan
There is a WealthFortified™ Process Working to Promote, Protect, and Preserve Your Retirement.
You Have a Plan that Adheres to the Process.
Your Identity is Being Protected, You Have a Plan.
Your Wealth is being Promoted, You Have a Plan.
You Know How Much Money Your Retirement Will Cost, You Have a Plan.
You Know How Much Income You Need in Retirement, You Have a Plan.
You Know When to Elect Social Security For Your Maximum Benefit, You Have a Plan.
The Effects of Taxation and Inflation are Known and Accounted for, You Have a Plan.
You Know How Much Risk You are Assuming in Your Portfolio but You Can Tolerate it, You Have a Plan.
You Won't Run Out of Money, You Have a Plan.
You Have an Estate, a Legacy, and a Will to Bless Generations, You Have a Plan.
You Have a Plan. It's a WRAAP™. Now Stop Worrying.