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The Sleep Well Strategy


THE SLEEP WELL STRATEGY
Designed to Instill Confidence In Your Investments


All retirees we work with seem to voice the same concerns:

  • Will I have enough money in retirement to maintain my current lifestyle?  I'm concerned I will run out of money.
  • Will I have enough income to do what I want to do in retirement?
  • How can I protect my money and income from such an unpredictable Stock Market?
  • Can I, or should I, avoid the Stock Market completely?
  • Will my fixed investments provide me with the income I need to overcome inflation and taxes?

At The Wealth Network, our "Sleep Well Strategy" helps address all of these concerns!


Peace of Mind with Growth

Our "Sleep Well Strategy" is designed to provide you the income you want throughout retirement, while providing you the growth you need to sustain your assets throughout your lifetime.  All without having to worry about the daily, monthly, quarterly or annual ups and downs of the Stock Market.

First, we spend time understanding YOUR vision of retirement,  your goals, objectives, dreams, concerns, dangers, opportunities and strengths, to make sure we clearly understand what you want to accomplish and why.  This is the foundation of any sound retirement strategy!

Next, we get a clear picture of your financial situation and experience, including assets, liabilities, expenses (both fixed and discretionary), income requirements, qualified retirement accounts, pension plans and options, Social Security, inheritances, home equity situation, etc.  We also tap into your feelings on investing including past experiences, biases and preferences.

Only after we have a clear understanding of what's important to you, do we begin to create your Sleep Well Strategy and recommend the investment vehicles that will provide Current Income, inflation adjusted Future Income and long term Growth, based on the current economic environment.  We then position your assets to carry out your plan, monitor your plan ongoing, and allow you to enjoy a worry free retirement.

Finally, we assist with your risk management to ensure your plan is protected from unforeseen circumstances.  This may include pension options, long term care, Will planning, tax concerns, charitable giving strategies, advance estate planning, and legacy planning.


So How Does It Work?

We segment a clients assets into several components including:

  • Current Income
  • Future Income
  • Discretionary Income
  • Growth, and
  • Emergencies & Opportunities

The amount of each component is customized to a clients specific needs for fixed income, discretionary income, growth, liquidity and other considerations that are specific to their individual situation.

  • Current Income will provide for all fixed expenses now and into the future
  • Future Income will account for the inflationary element of those fixed expenses as well as fixed expenses that may arise in the future
  • Discretionary Income will cover those variable expenses that may be for entertainment in retirement
  • Growth is designed to outpace inflation and taxes over the long term and replenish other components as needed, as well as to provide liquidity
  • Emergencies & Opportunities is for those unforeseen expenses, either good or bad, that may pop up going forward.

This allows a client to enjoy the peace of mind that all of their regular expenses are taken care of now and into the future, that they have income for the enjoyable parts of retirement, and unknown expenses are planned for.  All while providing a growth element of the portfolio for future needs and legacy planning for the extended family!

A strategy that allows the client to truly "Sleep Well" at night!


If you have retired or are retiring in the next ten years, we may be able to develop a Sleep Well Strategy for you!  Fill out the "Have a Question?' box to the left and let's begin the conversation!


*The Sleep Well Strategy is designed to helps instill confidence in your investments & may finally give you some peace of mind. 

**Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Past performance is no guarantee of future results. Please note that individual situations can vary.  Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.

***Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. 

****Qualifying membership in the MDRT is based on minimum sales production requirements and gross business generated within a year. Each MDRT status designation is granted for one year only. All members must apply every year to continue their affiliation with the Million Dollar Round Table.