Advanced Time Segmentation of Wealth takes investment principles that were formerly exclusive to institutional investors serving the ultra-wealthy and makes them accessible to almost everyone.  We use this process to create custom Retirement and Retirement Income Plans designed to optimize your household wealth.

The rigorous academic framework that supports ATS enables us to give each dollar we invest a purpose, a timeframe, and a stated rate of return.  We employ rigorous due-diligence and time-tested portfolio construction techniques such as asset allocation, asset location, and tax-loss harvesting so you have the potential to keep more of what you earn over the long term.

We will partner with your tax advisor to help you navigate the tax headwinds you will face through the four stages of retirement: pre-retirement, early retirement, middle retirement, and in your later years.  Tax preparation can sometimes have too narrow a focus on minimizing taxes in a given year whereas the goal of retirement distribution optimization is to help you mitigate your tax burden over the course of a lifetime.

We will partner with your legal advisors to help you plan for incapacity, organize your records, identify beneficiaries, formalize your estate plan, and help you to monitor and manage this dynamic process as your circumstances evolve over time.  Legacy planning, however, is not only about getting your affairs in order and planning to facilitate the tax-efficient transfer of wealth, but to ensure that your values, traditions, and ultimately your family purpose, however you choose to define it, will be passed down to future generations as well.

Social Security Optimization is the cornerstone of almost every sound retirement income plan. Too often, when people think about the potential risks facing them in retirement, they hyperfocus on the short-term volatility associated with their long term investments, and tend to underestimate longevity risk, or the risk of outliving their money over time.  Social Security optimization can help to mitigate longevity risk by providing a floor of inflation-adjusted lifetime income that can reduce the stress on your investments during inevitable periods of lower-than-expected returns, higher than expected inflation, or an often protracted spike in late-life healthcare costs.

While we do help to facilitate the Medicare enrollment process when our clients approach their 65th birthday, our Medicare planning process focuses more on the cost of healthcare in retirement. While quality of care is certainly important, as retirement income planners, our job is to help you understand that the cost of care, including insurance premiums and out of pocket expenses, can vary widely over the course of retirement.  These costs can be dramatically impacted by the by the choices a person makes when they initially transition to retirement.  In the years leading up to Medicare enrollment, we will help you become familiar with your choices so you will be prepared to confidently transition to Medicare when the time comes.

Life insurance has countless applications in the context of retirement and retirement income planning, but at its core, it is designed to pay a benefit to your loved ones upon your death to help ensure that the people you care about will continue to be provided for when you are no longer here.  For younger families, who are often saving for their own retirement as well as their children's education, life insurance is especially important as it can help to create a legacy that will enable your loved ones to maintain their current lifestyle and continue to plan for their future should, God forbid, they ever get the call that you will not be returning home.

Disability insurance, on the other hand, is designed to help you protect your income.  It is often said that in your wealth accumulation years, your family's most valuable asset is not your home or your retirement savings, but your ability to earn a living.  Disability insurance can provide a monthly benefit to help you continue to cover your living expenses, and often, increased medical costs, if an unforeseen illness or injury prevents you from being able to work.

When people think about long term care planning, the first thing that typically comes to mind is a nursing home.  Ironically, the goal of most long-term care planning is to help people remain in their homes.  Financially, long term care is a potentially devastating, multi-year cash-flow event, and the purpose of long-term care planning is to help to protect your wealth and your family against an often protracted spike late-life health care costs.  On a more personal level, the goal of long-term care planning is to allow a person to age with dignity on their own terms, to maintain their independence as long as possible, and to help prevent the burden of caregiving from taking a toll on the health of their loved ones.  In most cases, when people fail to adequately plan for long term care, their caregiver tends to be a spouse, daughter, or daughter in law.  Women tend to live longer than men, and as a result, will often experience their own long-term care event after a family's resources have been reduced, if not depleted, and after their own health has been compromised by the chronic stress of being a caregiver.

Early Stages - We help parents and grandparents select and fund appropriate college savings vehicles to help them save for their children’s and grandchildren’s education. Late Stages – We offer resources to help them navigate the College selection process and cut college costs.

We set up and service Employer Sponsored Plans, plan and invest for the founders of the business, and help to facilitate business succession planning when the time comes.  When working with employer sponsored plans, we strive to create favorable outcomes in four key areas: investment selection and monitoring, plan design and optimization, fiduciary education, and employee education.  We achieve this through a disciplined process, repeatable workflows, world-class partners, modern technology, and accountability.  Our goals are to reduce current financial stress among the employees, give them the tools to plan for retirement, and keep them on track to retire with dignity when the time comes.

We partner with Carefull, a trusted leader in the field of Cyber Security, to give you coaching and tools to protect your family's savings, identity, and credit from cybercriminals and thieves.  We provide timely content to keep you informed on emerging threats, scams, and fraud, and guard against every day money mistakes.