Beyond the income plan
Alternative investments, where they fit your plan.
Where alternatives fit in a retirement plan
Alternative investments — private equity, private credit, real assets — are generally suited to money you will not need for a long time. In a segmented income plan, that means the later segments.
What they can add
Returns that do not move in lockstep with public markets, exposure to companies that are not currently publicly traded, and income streams with a different risk profile than a bond fund.
How we decide
We start from the plan. If your near-term segments are funded and your planned income covers the essentials, there may be room in the later segments for alternative investments.
Questions
Common questions
Most private offerings require it. The federal definition is based on income or net worth thresholds, and it can also be met through certain professional credentials. We will confirm eligibility before discussing any specific opportunity.
We customize each portfolio based on the client's income plan. However, alternatives should never exceed 20% of your liquid investment portfolio.
Also
The rest of what we do
Retirement Income Planning
Concentrated Stock Strategies
If a large share of your net worth sits in a single stock, you may have a difficult time getting out of the stock without an unplanned tax bill.
Tax-Smart Investing
Across a thirty-year retirement, small tax percentages compound into real money.
Let us find out what your portfolio can actually pay you.
Thirty minutes to see where your income will come from. If we are not the right fit, we will tell you.