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Retirement Income

Time for a New Approach to Living in Retirement

At Burgdorf Wealth Managers, we start developing your long-term financial plan with a focus on your desired lifestyle, not generalized distribution plans. We calculate how much risk you should take and address the silent killer of retirement funds—inflation— so you have a plan that provides consistent and dependable income for life.

Advanced Time Segmentation® Overview

Advanced Time Segmentation is a strategic approach to portfolio design using a three-segment, five-category methodology and advanced planning strategies to assist you in selecting the most appropriate investments for your situation.

We Are a Strategy-Driven Practice

Many retirees or pre-retirees strive toward stability and want to avoid risk at all costs. A strategy-driven firm, like ours, will conduct an initial assessment of your personal situation, run an analysis to provide you with several options, and then help you select the optimal strategy for your overall retirement plan. From our ATS strategy to our in-house Registered Social Security Analyst®, we’re ready to help you retire confidently with reliable income.

Our Process
Our History
Our Values
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Organize Your Investments

Our investment strategy seeks to match your assets to your liabilities by organizing your investments into three segments: Fixed Income, Balanced Assets, and Long-term Growth. 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—made up of riskier, more volatile investments—the time it needs to potentially grow.

Fixed Income

The money that you need goes into an investment bucket designed to provide immediate funds for retirement.

Balanced Assets

The money that you will need later goes into a second bucket to provide the income you will need, adjusted for inflation, in later years.

Long-Term Growth

The money that you've designated for the long term, including distributions to your descendants and charitable interests, goes into a third bucket for long-term growth.

Your Wealth Deserves a Strategy

The ATS structure helps you build stability with time-segmented investments, risk management and a long-term strategic focus. We mathematically calculate your risk, then lay out a strategy that creates inflation-adjusted income and 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.

A successful time-segmented wealth distribution plan is designed to provide as much confidence for retirees who are in their 80's as it did when their retirement was just beginning. This approach is designed to cover every part of your financial picture so you can feel clarity and confidence through life’s transitions.

A Simplified Approach

Many clients would rather be spending time with family and friends or engaging with their communities, and don't have time to actively manage their long-term plans. We simplify the complex world of finance so you can cultivate financial confidence and live a life you enjoy.

Transparent Planning & Consulting Costs

The initial appointment is complimentary. After meeting with Mark, he and his team will have a good idea of what the next steps should be and will formulate a plan of action with your input.

If a comprehensive plan is warranted, our normal hourly fee is $200 but is capped at $1500 for the initial plan. The plan will have clear action steps to follow that may involve: budgeting and cash flow management, tax planning, estate planning, retirement planning/projections, insurance analysis, investment recommendations, and college savings plans.

If investment services are necessary, Mark will disclose any additional costs at that time.

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Frequently Asked Questions About Retirement Income

What makes Burgdorf Wealth Managers’ retirement approach different?

Quick Answer: We focus on your lifestyle goals first, not generic distribution plans.

At Burgdorf Wealth Managers, we design your long-term retirement strategy around the life you want to live, not just how to withdraw funds. Our approach prioritizes your lifestyle objectives, carefully manages risk, and addresses inflation, the silent killer of retirement funds. The result is a strategy that provides consistent and dependable income for life. 

What is Advanced Time Segmentation® (ATS)?

Quick Answer: It’s a time-based investment strategy that organizes your portfolio into three segments and five categories.

Advanced Time Segmentation® (ATS) is a strategic portfolio design that matches your assets to your needs over time. It uses three time segments (short-term, mid-term, and long-term) and five investment categories: Lifetime Income, Fixed Income, Balanced, Long-Term Growth, and Alternative. This approach helps ensure that your investments are allocated efficiently and support your financial goals through every phase of retirement. 

How does the Advanced Time Segmentation® structure work?

Quick Answer: It organizes your investments into three buckets: Fixed Income, Balanced Assets, and Long-Term Growth.

The ATS structure aligns your investments with your retirement timeline:

  • Fixed Income: For immediate spending needs, designed to provide funds right away.
  • Balanced Assets: For mid-term needs, adjusted for inflation to provide stability and growth.
  • Long-Term Growth: For long-term wealth and legacy goals, designed to grow untouched for several years. This structure helps balance stability, growth potential, and liquidity throughout retirement. 

Why is risk calculation important in retirement planning?

Quick Answer: It ensures your investments grow without taking unnecessary risks.

We mathematically calculate your personal risk tolerance to create an investment plan that balances security and growth. By segmenting your wealth by time horizon, equities are given time to grow. At the same time, your income needs are covered by more stable investments. This reduces emotional decision-making and helps maintain long-term financial confidence. 

What does it mean that you’re a “strategy-driven” firm?

Quick Answer: We build customized plans based on analysis, not one-size-fits-all advice.

Our firm conducts an initial assessment of your unique financial situation and then uses data-driven analysis to offer multiple strategy options. From there, we guide you in selecting the best fit for your overall retirement goals. With tools like our proprietary ATS and our in-house Registered Social Security Analyst®, we help clients retire with confidence and dependable income. 

What are the three time segments in the ATS model?

Quick Answer: Short-term, mid-term, and long-term.

The three time segments are designed to align your investment horizon with your financial needs:

  • Short-Term: Focused on immediate or near-term income.
  • Mid-Term: Provides stability and inflation-adjusted growth.
  • Long-Term: Encourages sustained growth and legacy wealth. Each segment serves a distinct role in ensuring your income lasts throughout retirement.