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Advanced Time Segmentation®

Advanced Time Segmentation® is a different way of looking at and presenting financial planning. At its core, we match our client’s assets to their income liabilities. Meaning, we lay out a strategy that creates inflation-adjusted income that addresses risk by giving equities time to potentially grow untouched. This approach allocates assets into different time segments based on the period of time when those assets are expected to generate income.





Segment #1.  Immediate Income 

This segment is designed for income, and is where your short-term-assets are matched to your short-term liabilities. A portion of this segment is invested in vehicles designed to provide income for life. The remainder of the segment is invested in strategies designed to be spent over a five to seven year period, thus buying time for potential growth in the remaining segments.


Segment #2.  Future Income

This segment is designed to replenish the fixed-income portion of segment one, resulting in additional time for the long-term investments in segment three to grow. In this segment, mid-term assets are matched to mid-term liabilities. This helps create a bridge between income in segment one and long-term growth in segment three, featuring a typical time horizon of 7 to 15 years.


Segment #3.  Long-Term Growth

This segment is designed for long-term income and growth, with a typical time horizon of at least 15 years. In this segment, your long-term assets are matched to long-term liabilities. By withdrawing assets from segments one and two, segment three investments can be left untouched to satisfy your long-term retirement needs.


Solutions for life’s different stages


In its simplest form, the strategy seeks to match your assets to your liabilities by organizing your investments into three segments. These segments are designed to correspond to your needs during different periods of your life. You start by spending down the first two segments while allowing the third segment, comprised of riskier, more volatile investments, the time it needs to potentially grow.

We encourage you to contact us to discuss your specific needs and questions. We look forward to helping you attain your dreams and financial goals.


* Guarantees are subject to the claims paying ability of the issuing insurance company.

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