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Our Portfolio Managers have helped thousands of clients retire over the past four decades—providing us the expertise to make it an effortless experience for you. Whether retirement is a distant dream or a current reality, our Portfolio Managers are experts at helping you accumulate assets for retirement and developing a sustainable spending plan while you enjoy retirement.
Because market returns will vary over time, our Retirement Cash Flow Analysis (presented in our Wealth Management Review or Financial Management Review) employs sophisticated technology to account for the variability of investment returns over time and to help meet your retirement cash flow needs. Monte Carlo Simulation is a statistical technique that originated over 60 years ago that allows for the modeling of uncertainty into a forecast.
While you are accumulating assets for retirement, the order of returns you earn does not change the return of your portfolio. However, during retirement it is the order of returns, and not the average return, that determines if you will outlive your funds. We integrate sophisticated investment planning with retirement cash flow planning to construct diversified portfolios that help sustain your assets for many decades.
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This sample analysis shows the probability of a 60-year-old individual having assets remaining at age 95, assuming different initial spending levels from their portfolio.
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Planning For Retirement
by M. Jay Wertz, CFP®
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