Q3 · reviewed every year
Built for drawing down, not building up
The allocation that served you for thirty years of contributions was solving a different problem. Withdrawals change what risk means.
Overview
A portfolio built to accumulate and a portfolio built to distribute are not the same portfolio. We reposition allocation for drawdown, address sequence-of-returns risk directly, and build individual bond portfolios rather than relying only on funds.
Scope
What this covers
- Repositioning allocation for a portfolio you will draw from
- Sequence-of-returns risk in the first years of retirement
- Individual bond portfolios, including laddered maturities
- A cost and risk audit of what you currently hold
- Tax-loss harvesting
What people usually ask
- “Is my portfolio still positioned for the phase I was in ten years ago?”
- “What am I actually paying in fund costs inside my accounts?”
- “Should I own individual bonds rather than bond funds?”
In the rotation
This is the Q3 review
Our quarterly planning system is designed so clients are generally no more than ninety days away from a review of each critical area. You also have the flexibility to choose the order. Whether you want to start with tax planning or with investments and risk management, the order of the quarterly meetings is at your discretion.
See the full quarterly system →Also
The rest of the plan
Talk through investments & risk management
Step one is a 15-minute discovery phone call about your situation: your concerns, your goals, and whether our firm is a good fit. No cost, no obligation, and no requirement to transfer assets.