Your portfolios are adjusted over time

As you consume some of your portfolio for income, dollars are shifted from the three growth portfolios to replenish your short-term needs. Each portfolio is adjusted to achieve the growth or stability required over the assigned time-frame. We call this process Time Segmentation.

Time segmentation means that your assets are assigned specific tasks and time-frames that are tied to their intended usage. This personal approach is specific and unique to each client.

With time segmentation, we design lower risk portfolios that match your cash flow needs. This process "de-links" the income component from the growth component of your portfolio, a process that is targeted and efficient.