Portfolio Management

At retirement, your whole financial life essentially boils down to one binary question:

Will your money outlive you, or will you outlive your money?

Most people aim to live a comfortable retirement. They often focus on achieving a specific asset level or rate of return to reach that asset level.

However, very few people consider that the only real goal is to stay comfortably retired.

At trendline inflation, the cost of living will rise between 2 ½ to 3 times during the average retirement period. That is, it will cost about $2.50 to $3 in the 30th year of retirement to buy what a dollar bought in the first year.

If you do not have a plan to increase your income by as much as your living costs go up in retirement, then you really only have a plan to run out of money.

Our portfolio management process is not designed to protect a dollar; it is entirely focused on protecting what your dollars can buy.

Rather than following traditional asset allocation techniques, which are really designed for pension plans, our investment approach is focused on selecting securities and investment vehicles that increase their regular income organically.

Further, our Cascade Portfolio Process™ allocates your investments based on your lifestyle and cash flow needs so that your money is clearly aligned with your goals.

Finally, we believe that even the best performers need coaching to reach their goals. We regularly educate our clients so they become better investors. Our goal is not to outperform the market, it is to ensure that your portfolio is aligned to your overall financial plan and that your behaviours have a positive impact on your long term investment performance.