Making your money work for you
You already have part of your retirement income if you have Social Security, a pension or an annuity.
Then you have your investments and savings. So, how do you turn that into income for retirement?
And what about these risks that can jeopardize your retirement?
TIMING RISK: Beginning your retirement during a down market
INFLATION RISK: Your retirement income buys less every year
LONGEVITY RISK: You outlive your retirement income
We have a strategy designed to mitigate these risks.
Our time-segmented investment strategy divides your retirement into segments (or buckets), each with a different investment objective and time horizon. The length of these segments varies, customized to your cash flow needs.
It’s designed to structure income throughout the phases of your retirement and to address the risks.
Moving money between buckets
As time goes by, we’ll rebalance your buckets to replenish your Now and Soon buckets so you always have conservative funds available for your living expenses. Since it's not always a good time in the market to sell something, we carefully choose when we move money from one bucket to another.
Having several years of living expenses in the Now and Soon buckets helps us be more strategic about when to rebalance.
All investments are subject to risk, including loss. The process of rebalancing may result in tax consequences. Annuities are subject to the claims paying ability of the issuing insurance company. Certificates of deposit offer FDIC insurance and a fixed rate of return whereas both principal and yield of investment securities will fluctuate with changes in market conditions. Although money markets strive to maintain a stable net asset value, the funds are not federally insured and there is no guarantee that a stable net asset value will be maintained.
Our goal is to make you feel more comfortable about your retirement – so you can focus on simply enjoying life.
Creating your retirement road map
Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.
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Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Aventura Family Office is not a registered broker/dealer and is independent of Raymond James Financial Services.