At Burgdorf Wealth Managers, we start developing your personalized long-term financial plan with a direct focus on your desired lifestyle, not the systematic distributions of a generalized crowd. We don't use cookie-cutter strategies that assume systematic distributions. We focus on making sure you have a plan that provides consistent and dependable income for your whole life. We mathematically calculate how much risk you should take or not take, and we address the silent killer of retirement funds: inflation.
Advanced Time Segmentation is a strategic approach to portfolio design using three-segment, five-category methodology and advanced planning strategies to assist you in selecting the most appropriate investments for your situation.1
Many retirees or pre-retirees entering into financial planning strive toward stability and want to avoid risk at all costs. A strategy-driven firm, like ours, takes this into account by incorporating time-segmented retirement income distributions. This segmentation encourages stability and weighs assets across three categories in order to provide stability and deter risk.
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, comprised of riskier, more volatile investments, the time it needs to potentially grow.
The money that you need goes into an "investment" bucket designed to provide immediate funds for retirement.
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.
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.
We take principles that were typically exclusive to the wealthy and make them accessible to everyone. We mathematically calculate your risk, inflation-adjust your income, and strive to ensure a lasting legacy. We do all of this by implementing a strategy with every portfolio so that time is on your side.
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.
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.
At Burgdorf we simplify the complex world of finance for our clients. Many of them would rather be spending time with family, friends, or engaging with their communities and don't have time to actively manage their long-term plans. They need a partner who will tell them the truth and who shares their values to live simply, work diligently, and give generously.
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 $200.00 but is capped at $1500.00 for the initial plan. The plan will have very clear action steps to follow that may involve areas of: 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.