Peak Income Conductor

Our Philosophy

Our Philosophy

You've worked hard accumulating assets and growing your portfolio during your working years, but have you thought about your strategy on how to generate income from your portfolio? We believe while accumulating we need to focus on ROI (return on investment), but in retirement we must also focus on the new ROI, which is Reliability of Income.

We approach your retirement income differently than other financial advisors.

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Retirement Income Experts

Traditionally, if you told your advisor you would like to withdraw $1,000/mo from your portfolio, your advisor would set up a systematic sale from your account each month to generate the income you need. That works well when the market is up.

However, imagine selling along the market bottom in 2008 and 2009. Or needing to sell in March 2020 at the height of the pandemic panic. This is what we would like to avoid at all costs.

By following the Peak Income Conductor philosophy, where immediate needs over the next year or two are in conservative accounts, it reduces the chances of being a "forced seller" in bad markets to fund your income goals. It also helps us emotionally fight the urge to sell out of the market when we face volatility, because we know we have the next year or two of income needs covered by that conservative account.

As we look further out on the horizon we can afford to begin taking more risk. For example, money we expect to need in 10 years can be invested with a balanced or growth risk objective because we have plenty of time until that money will be required.

Please take a look at the image below to see an example of different time segments and how they could hypothetically be invested. Also, please take 2 minutes and watch the video for more detail from Nick Hopwood, CFP® and Jim Pilat, AIF®, the financial advisors at Peak Wealth Management. To speak further with Nick and Jim, please click the button below to schedule a call/zoom/face to face. 

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