When you focus on matters you can control you see results. We look at all the factors that influence your success, and focus on areas where we know we can make an impact. We show you a before and after comparison so you can see which retirement planning decisions improve your outcomes. You don’t have to wonder if you’re doing the right thing; you’ll know.
Putting together the pieces that go into a retirement income plan takes skill and training that the average financial planner doesn’t have. What you need is a specialist, not a general practitioner. We’re specialists. We make it easy for you to see which decisions matter. You’ve worked hard to save what you have; now it’s time to let it work hard for you.
And remember, retirement planning doesn’t mean you have to retire. It does mean you want to reach the point where you don’t have to go to work to earn a living each day. A point where you can choose what you want to do with your time, and how you want to contribute. The right planning can help you get there faster.
Before an appropriate investment plan can be designed, a financial plan must be created.
The financial plan tells us when you will need to use your money, what you will need to use it for, and what accounts you should draw from. Then an investment plan can be created to match investments to the current and future jobs they need to do.
When designing an investment plan Sensible Money considers the following:
Investing involves trade-offs. As you look at the triangle below, you can see as you move toward one corner of the triangle, you move away from the other two.
There is not a single investment that delivers safety (preservation of capital), a high level of current income, and the potential for growth all at once.
As an investor it is important for you to understand the trade-offs involved.
We use your financial plan to illustrate the purpose of each account, and show you how certain investments will be best aligned to that purpose. To us, this makes far more sense than arbitrarily assigning you to a "moderate conservative" or "aggressive growth" model. Your investment allocation is designed specifically for you.
When hired for our Juicing® PLUS service, which includes ongoing planning and investment management, it becomes our responsibility to deliver on the retirement income plan we construct for you.
Our chosen custodian is Charles Schwab, which means your account statements come directly from Schwab and you have online access to your accounts any time you wish.
Within your Schwab account we work with our investment partner, Asset Dedication, to build income ladders and growth portfolios per our specifications.
The portfolios are constructed using passive and index mutual funds as well as individual bonds and CDs. Below are the fund choices you’re most likely to see in your portfolios with us:
Your progress is measured by using your personal Critical Path®; a path of your projected future that helps us make portfolio decisions that help secure your future retirement income.
All decisions are made with the goal of achieving after-tax results. We coordinate you investment decisions with your tax situation so you pay as little tax as possible on investment earnings.
We can easily take over the management of existing portfolios and then tax-efficiently restructure things so they are better aligned with your goals.