Financial Thinking Partner Wealth Advisors

    How we invest

    Built to win by losing less.

    Your retirement savings have a different job now. Protect what you've saved. Create income. Keep growing for what comes next.

    Give every dollar a job.

    Four parts. Each one with a written job.

    1. Liquidity

      Cash for the next year or two, so you are not forced to sell investments at the wrong time.

    2. Essential Income

      Reliable income for the bills you need to pay, even when markets fall.

    3. Discretionary Income

      Income for travel, hobbies, family, and the parts of retirement you worked for.

    4. Growth

      Long-term investments for later years, inflation, and the legacy you want to leave.

    A bad market should not decide when you sell. Cash and reliable income cover near-term needs, giving long-term investments time to recover. This strategy does not eliminate market risk or guarantee against loss.

    Your Retirement Paycheck

    Where your monthly retirement income comes from.

    Multiple sources. One reliable paycheck.

    • Social Security & Pension

      Reliable income you've earned.

      $4,600

    • Income Annuity

      Contractual income that covers your essentials for life.

      $3,900

    • Investment Income

      Flexible income from your investment accounts.

      $4,000

    Monthly Retirement Income

    $12,500

    Your retirement paycheck

    For Basic Needs

    $8,500

    Housing, groceries, utilities, healthcare, and more.

    For Fun and Extras

    $4,000

    Travel, dining, hobbies, gifts, and more.

    A thoughtful plan helps turn today's savings into tomorrow's security and freedom.

    Hypothetical example. Figures are illustrative only and not a specific client, product, or outcome.

    Why this approach

    The math changes in retirement.

    A 30% loss takes a 43% gain just to get back to even. Lose less and there is less ground to make up.

    Protect What You've Saved

    Reduce the damage from major losses

    Create Retirement Income

    Turn savings into reliable cash flow

    Keep Your Plan Flexible

    Keep cash available as life changes

    Grow for Later

    Keep pace with inflation and support your legacy

    Case study

    See the Resilient Portfolio in action.

    Walk through a hypothetical $2.4M retirement plan. See how liquidity, lifetime income, and long-term growth work together.

    Read the Case Study

    For educational and informational purposes only; not investment, legal, or tax advice. All investing involves risk, including loss of principal. Annuity guarantees are subject to the claims-paying ability of the issuing insurer and are not FDIC insured. Advisory services provided by Financial Thinking Partner® Wealth Advisors, a Colorado-registered investment adviser; insurance and annuity products offered through Annuity Strategy Center.

    Ready to give every retirement dollar a job?

    Schedule a complimentary 30-minute conversation to see if this approach fits your retirement.

    See If We're a Fit

    Or reach out to Doug directly by sending him an email at doug@financialthinkingpartner.com.