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Retirement Income Planning

Strategic Retirement Planning with Decker Financial’s ATS® Approach

We specialize in Income Distribution Planning for Retirement because a comfortable retirement requires more than simply the accumulation of assets to use during retirement. It involves addressing a complex set of decisions regarding pension benefits and Social Security, as well as creating a strategy for drawing income from your investments. All this while keeping in mind the many risks and unknowns that retirees face—everything from health issues to boomerang kids.

Income Distribution Planning involves the transitional process of taking assets from the Accumulation phase (working years) and converting them to the Distribution phase (retirement years). That is, creating a strategy for turning assets into income that you can use during retirement.

At Decker Financial, we are a part of the Advanced Time Segmentation (ATS®) Advisor Network and use the ATS® Strategy to create Retirement Income plans for our clients. ATS® is a specialized strategy that matches unique retirement income needs with time-segmented investments.

Advanced Time Segmentation (ATS®)

Retirees face 3 major risks:

  • Longevity Risk: living longer than planned
  • Market Volatility: poor market returns (especially early in retirement, known as Sequence of Returns risk) that lead to reduced portfolio value
  • Spending Shocks: large expenditures, possibly depleting assets

Retirement Income Planning is the field of Financial Planning that addresses these risks. We believe the best way to mitigate these risks is with a segmented, safety-first approach. You could spend 20+ years of your life in retirement; you shouldn’t have the same strategy for Year 1 money as you do for Year 20 money.

Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested. No system or financial planning strategy can guarantee future results.

Segment #1:
Lifetime Income

Provides investors with guaranteed income for life and is suitable for conservative investors who believe they have a long life expectancy. Using low-risk and/or guaranteed account options to fund immediate income.

Segment #2:
Fixed Income

Designed to be spent down over five to seven years, thus "buying time" for the Balanced segment to potentially grow. This category is usually invested in safe, sometimes guaranteed, investments.

Segment #3:
Balanced

A bridge between the Income and Growth segments. This segment is designed to replenish the Fixed Income Segment resulting in additional time for your long-term investments to potentially grow.

Segment #4:
Long-Term Growth

Designed for 15-25 years of growth. Since the other segments have provided time, this segment is designed to grow untouched for many years.

Segment #5:
Income & Growth

Provides both income and growth for the portfolio over the long term. This category can include alternative investments. Income generated from this category may be used to supplement income required from the Lifetime Income and Fixed income categories.

Your Wealth Deserves A Strategy

A Robust Investment Structure That Provides Stability

A Robust Investment Structure That Provides Stability

The ATS approach helps to provide financial stability through time-segmented investments, risk management, inflation protection, adaptability, diversification, and a long-term strategic focus.

This comprehensive approach covers every aspect, from immediate needs to future planning, ensuring adaptability to your evolving financial requirements and changing market conditions.

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