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Investment Management

We build personalized investment strategies to help you grow and protect your wealth through every stage of life.
Built on Trust. Backed by Credentials.
  • A+ BBB Rating
  • Accredited Small Business Consultant Member
Tax Strategy

A Smarter Way to Take Income in Retirement

Many people are withdrawing their income the wrong way. We have strategies that potentially incrrease your income and lower your taxes and lower your chance of running out of money after retirement.
Success is built on vision, strategy and people!
Want to see how it fits your plan?

Boost Your Income

Withdraw up to 25% more from your current investments without changing your portfolio.

Reduce Longevity Risk

Make your money last longer with strategies built to minimize the chance of running out.

Backed by Research

Developed by leading economists and tested in real-world market conditions.

Ditch the 4% Rule

The common 4% rule often leaves money on the table and increases the risk of failure in down markets.

Our Methods

A Smarter Way to Take Income in Retirement

The old 4% rule may no longer work for today’s retirees.

Originally created in the 1990s, the 4% withdrawal rule assumes fixed returns and lower inflation. But markets have changed. Inflation, longevity, and volatility make this outdated strategy risky for many. There’s a better way to approach retirement income.

Which Withdrawal Strategy Is Right for You?

There are 12 proven ways to take income in retirement; most people only know one. Here’s a quick look at each.

1. 4% Rule

Withdraw 4% of your portfolio each year, adjusted for inflation. A common rule, but often outdated.

2. Constant Dollar, Inflation Adjusted

Take the same dollar amount each year and adjust it annually for inflation.

3. Constant Percentage

Withdraw a fixed percentage of your portfolio each year. Income varies with market performance.

4. Smoothed Percentage

Use an average of past portfolio values to calculate withdrawals, reducing income swings.

5. Constant-Percentage Ceiling

Sets a maximum withdrawal rate to protect your portfolio during strong market years.

6. Constant-Percentage Floor

Ensures a minimum withdrawal amount regardless of market performance.

7. Inflation-Adjusted Percentage

Withdrawals rise with inflation, but the percentage may shift over time.

8. Increasing Percentage

Withdraw a growing percentage each year, often starting lower and rising later.

9. Required Minimum Distribution (RMD)

IRS-mandated withdrawals starting at age 73. Timing is fixed, not based on personal goals.

10. Enhanced Investment Selection

Withdraw from specific accounts or assets in a tax-efficient order to extend income.

11. SAIL (Strategic Asset Income Ladder)

Creates a laddered plan to meet short-term income needs while giving other assets time to grow.

12. HECM (Coordinated Strategy)

Uses a reverse mortgage to supplement income. Requires planning ahead of time.
Sources:

Book Source: Asset Dedication: How to Grow Wealthy with the next Generation of Asset Allocation. McGraw-Hill, 2005. Stephen Huxley (Author), J Burns (Author)
Retirement Section News: Integrating Home Equity and Retirement Savings Through the “Rule of 30” (Journal of Financial Planning)
Barrons: The Originator of ‘the 4% Rule’ Thinks It’s Off the Mark. He Says It Now Could Be Up to 4.5%. By Neal Templin
Our Process

Business Consulting Process

We serve Northwest Arkansas, the entire state of Arkansas, and neighboring states, with consulting clients nationwide. Our flexible approach allows us to work with clients through in-person meetings, phone calls, webinars, emails, texts, and messaging.

Intro Consultation and Basic Research

Understanding your business and goals

Discovery

Competitive analysis, identifying opportunities, and key insights

Build Plan

Crafting a tailored strategy for success

Execute

Implementing the plan with precision and focus

01
Income Planning
Income Planning strategies are designed to minimize taxes, reduce risk, and provide more income. Are you aware of the 12 different strategies that can be used to withdraw money from your IRA? We help you find which of the 12 strategies is the best fit for you to give you the most income with the least amount of risk and the lowest probability of running out of money.
02
​​Tax Planning
We can help you design a plan that can potentially lower your taxes using some of the above mentioned withdraw strategies. We also can model out how certain decisions may increase your tax bill unnecessarily. For example, taking a capital gain versus pulling money from your IRA or should you do a Roth Conversion? We have the expertise and the tools to help you make a fully educated decision since the wrong decision could be very costly. In addition, our investment management style is tax sensitive by design to minimize taxes on money you do not plan on spending in the near term.
03
Risk Management
Risk Management is implemented to help protect income, reduce emotional decisions and help conserve your assets. We strive to reduce volatility by blending multi asset globally diversified model portfolios with certain insurance products and other safe financial instruments. We also help you evaluate the need to have umbrella liability insurance, health care expenses, and design a plan that helps to prevent being caught off guard with sudden expenses such as long term care or the financial perils that can be caused by the premature death of a spouse or loved one.
04
Estate Planning
We do not practice law. However as true financial advisors and planners, it's our duty to help you grasp the importance of having a proper estate plan. Estate planning allows you to pass on your assets efficiently to your loved ones through the use of wills, trusts, charitable planning, and insurance, etc.​​​​

We are also very mindful of how you structure your beneficiaries for all types of accounts so they avoid probate or meet a special need so your inherited assets flow smoothly to the next generation. We offer a virtual law firm experience and if you are not sure about your needs, take the 2-minute quiz.

*A list of qualified estate planning attorneys is available to you upon request.
05
Education Funding
Education Funding can provide a tax favored methods to save for college for those clients who have children or grand -children.
Expertise

Our team consists of experienced marketing professionals with a proven track record across various industries. With deep expertise in the latest marketing trends, best practices, and social platform technologies, we provide valuable insights and strategic recommendations to help businesses thrive.

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