The Retirement Portfolio
allows you to
sail to financial security.
Description
Retirement
Portfolio
Our Retirement Portfolio focuses more on the things we can control and less on the things we cannot. This is a Stoic Method of Investing. We focus on lowering the FEE and TAX impact on your portfolio - the surest way to maximize long-term growth. A glide path ensures you have sufficient return earlier in your retirement journey and lowers risk as you near and then enter the retirement phase.
​​
We lower the FEE impact through the following:​​
-
Low-cost ETFs
-
Advice on outside accounts (401ks, 403bs, 457bs)
​
We lower the TAX impact through the following:​​
Performance
as of 12/31/2025
The
Retirement
Portfolio -
Pre-Retirement
Performance
as of 12/31/2025
The
Retirement
Portfolio -
Early-Stage
Retirement
Performance
as of 12/31/2025
The
Retirement
Portfolio -
Late-Stage
Retirement
Disclosures
Retirement
Portfolio
Model & Hypothetical Performance Disclosure
The performance results shown reflect a hypothetical model portfolio and do not represent the performance of any specific client account. Model performance is for illustrative purposes only. Actual client results may differ due to cash flows, timing, and implementation. Past performance is not indicative of future results.
​
Assumptions & Methodology
Returns are based on index proxies or third-party data sources deemed reliable. Allocations assume quarterly rebalancing. Performance is shown net of underlying fund or index expense ratios and assumes a 0.50% annual advisory fee, applied quarterly. Performance does not include trading costs and taxes unless otherwise stated. Actual client experience will differ.
Risks
All investing involves risk, including loss of principal. While the model seeks to manage risk through diversification, it is subject to market, interest rate, and other risks. Periods of loss and drawdowns may occur, including during adverse market conditions. The model allocation includes exposures that may experience substantial volatility and declines. Future market conditions may differ from historical conditions used in this analysis.
Not a Guarantee or Forecast
Hypothetical performance is not a guarantee of future results and should not be interpreted as a prediction or projection.
Suitability Disclosure
This material is for discussion purposes and is not a recommendation. Suitability depends on the client’s objectives, financial situation, risk tolerance, and investment horizon.