Strategies

Investing

• Time-tiered buckets of money
• Portfolio approach diversity

Addressing Risk Tolerance

• Manage emotions about portfolio volatility
• Re-Strategize (fixing broken investments)

Risk Transfer

• Life insurance
• Long-term-care insurance
• Living benefits of variable annuities
• Fixed annuities

Educating Clients

• Tax strategies for life and legacy planning
• Puzzle interlacing: Changing one piece impacts other pieces

Examples

Time-Tiered Portfolios

• Bucket One — No-Low Stock Exposure
• Bucket Two — Low-Moderate Stock Exposure
• Bucket Three — Moderate Stock Exposure
• Bucket Four — Higher Stock Exposure
  (based upon risk tolerance; Often for testamentary purposes – money you may never need)

Longevity Protection

• Delaying Social Security until age 70
• Long-term-care (LTC) insurance
• Fixed annuities
• Living benefits tied to variable annuities

Generational and Gift Planning

• Roth conversions — effective in passing assets to the next generations
• Annual or occasional gifting to family and friends
• Using tax effective charitable gifting approaches