You've worked hard, saved over the years and now ready to enjoy the fruits of your labor. XCountry Financial calls this the GOAL stage. We have designed retirement income strategies that are built with these common retirement needs in mind:
- Wealth Distribution- Current expenses- Future spending- Capital preservation
In the GOAL Stage, our dynamic approach to retirement income and spending, when compared to many traditional retirement strategies, has a greater allocation to equities and less to fixed income investments. We’ve designed this to help strike the ideal balance between the present need to pay for current expenses and retirement goals, and the need for wealth to last throughout retirement.
The typical approach of tilting to a conservative fixed income portfolio as investors enter retirement and focusing on asset preservation as investors spend down may not be enough to fund retirement and legacy goals, especially in a long-term low-rate environment.
At XCountry Financial we assemble a strategy utilizing multiple investment vehicles, based on your personal goals and complexity of your situation. It's not a cookie cutter approach.
Our clutch player in the 4th quarter is XCountry Financial GWP Goal Stage-an advisor-enhanced automated solution that couples a digital investment platform with our oversight, review, and advice. The 2 ways we've had success in implementing XCountry Financial GWP-Goal Stage into our strategies:
- Wealth TransitionLow Account Minimum-tax deferred accounts for children & grandchildren.Advisor Relationship-teaching your children & grandchildren financial literacy.