You Enjoy Sustainable Retirement Income.

Our retirement income planning and management strategies are an integral part of our overall investment portfolio management. The fluctuating economy, erratic financial markets, and cost-of-living escalations all require a hands-on, individualized approach to managing your portfolio’s cash flow generation and distributions. Our goal is to provide you with predictable, sustainable income, when you are ready for it, while still preserving and growing your portfolio so you won’t out-live your money.

We differ from most other retirement financial advisors who, rather than actively managing your portfolio’s cash flow, rely upon mutual funds or annuities as a passive income provider or in the worst case, provide no income management at all. For example, mutual funds simply liquidate enough of your fund shares at the current market price to fulfill your monthly cash flow request. This is called a passive, “systematic investment liquidation”; not to be confused with our active retirement income planning and management.

How We Actively Manage Your Income Needs:

• Our income management strategies provide you with sustainable, monthly cash flow regardless of when the investment income is received in your portfolio.

• We strategically harvest your portfolio’s capital gains and incorporate some of them into your monthly cash flow, while reinvesting the rest for additional portfolio growth and a hedge against inflation.

• During periods of negative stock market performance, our long range income-stabilization strategies have historically allowed monthly cash flow distributions to remain unchanged.

• You may withdraw principal from your portfolio to meet unanticipated capital needs.  We will strategically liquidate assets to minimize the impact on your portfolio.

At Deane Retirement Strategies, we vigilantly monitor and align your investment portfolio to accommodate your changing retirement income needs, always mindful of both inflation and the preservation and growth of your investment. As Retirement Specialists, we actively manage your retirement income.

We Are Your Retirement Income Planning and Income Management Experts in New Orleans