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  • 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


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